Choosing cover
Work out the limit, excess and policy details that fit the jobs you actually do.
10 detailed guides
Pick the question closest to yours
Each page answers one practical question and points out the details worth checking in a quotation or policy.
How much public liability cover do I need?
Choose a limit by looking at contract requirements and the size of a credible claim, not just the cheapest option. Common choices include £1 million, £2 million, £5 million and £10 million.
Read guide Choosing coverIs £1 million public liability cover enough?
£1 million can suit some lower-risk work, but it is not a universal starting point. It may be below a customer’s contract requirement or below the size of a serious injury claim.
Read guide Choosing coverUnderstanding £2 million public liability cover
£2 million is a commonly offered option, but “common” does not mean right for every business. Match it to your contracts and the plausible cost of injury or damage.
Read guide Choosing coverWhen £5 million public liability cover is requested
Councils, event organisers and larger contractors often ask suppliers for £5 million, though requirements vary. If a contract states a figure, confirm that the policy meets it before accepting the job.
Read guide Choosing coverWhen might £10 million public liability cover be needed?
£10 million is more likely to appear in major commercial, public-sector or infrastructure contracts. It should be driven by the job and written requirement, not bought as a badge.
Read guide Choosing coverHow does a public liability excess work?
The excess is the amount the policyholder may have to contribute to a covered claim. It can vary by claim type, so check the schedule rather than assuming there is one figure.
Read guide Choosing coverWhat affects the cost of public liability insurance?
Price usually reflects the work, turnover, staff, claims history, locations, limits and higher-risk activities. Two businesses with the same trade label can answer those questions very differently.
Read guide Choosing coverWhat information is needed for a public liability quote?
Expect questions about the business, its work, turnover, people, locations, contracts and claims. Gather the facts first; a rushed guess can follow you into the policy documents.
Read guide Choosing coverBuying public liability insurance after a claim
A previous claim does not always prevent cover, but it must be disclosed accurately when asked. Keep the circumstances, cost and changes made afterwards ready.
Read guide Choosing coverPublic liability renewal checklist
Renewal is the moment to update activities, turnover, people, locations, limits and claims. Do not let last year’s description roll forward if the business has changed.
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