Personal Liability Insurance

  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Get tailored quotes in less than 7 minutes

What is personal liability insurance?

Personal liability insurance can cover compensation claims made against you if someone sues you for injury or damage to their property. This isn’t a very common type of insurance in the UK, but most businesses will have liability cover such as public liability insurance or employers’ liability insurance as a core part of their insurance policy.

  • public liability insurance for self-employed pros, from £1 million to £10 million
  • 24/7 UK-based claims support from an expert team
  • rated 4.7/5 based on 39K+ public liability customer reviews

What does personal liability insurance cover?

Personal liability insurance is designed to cover the cost of a claim made against you by a third party for property damage or bodily injury. For example if a neighbour claims you’re responsible for breaking their garden fence, a personal liability policy could cover the cost of damages or compensation. It’s uncommon for people in the UK to take out personal liability insurance on its own, although it’s sometimes included as an extra cover in insurance packages.

What type of business insurance do I need?

We’re a business insurance broker. This means we don’t offer personal liability insurance, as it only covers individuals. However, here’s an overview of some of the most popular covers businesses add to their insurance policies.

How much does business insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

Get your tailored quotes in 7 minutes

Example personal liability insurance quotes, real prices

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability



Employers’ liability

No excess

No excess







Business and office equipment



The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

Looking for something else?

Depending on your set-up, clients and business type, these expert covers might be helpful too:

When you run a quote you can select from a range of covers.

How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

Direct to


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527


Contact us on our website whenever suits you


Call our insurance experts during office hours (calls are charged at a local rate)


Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

Personal liability insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about personal liability insurance.

You can also check out our business insurance FAQs.

The cost of personal liability coverage will depend on your insurer and the level of coverage you need. If you’re looking for liability cover as part of your business insurance, our prices start at £6.56 a month for public liability and £5.56 a month for employers’ liability.

It’s unusual for people in the UK to take out independent personal liability cover. If you work for someone, it’s likely their public liability insurance will cover any damage or injury to a third party that you’re responsible for. Meanwhile, if you’re self-employed, it’s likely that employers’ liability and public liability cover will make up a core part of your business insurance.

Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 0146 683. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild, or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

At Simply Business we have insurance covers all kinds of trades such as:

Is your profession not listed? When you run a quote you can select your trade from over 1,000 options.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Home Business insurance Our range of covers Personal Liability Insurance