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Civil Liability Insurance – Compare Cheap Quotes

If you’re a sole trader, a consultant or a small business owner there’s the risk that you might fact a civil liability claim at some point. Whether it’s a public liability claim brought by a member of the public who was injured on your premises, a professional indemnity claim brought by a client who claims you provided harmful advice, or a product liability claim brought by someone who was injured by one of your products, it’s important that you have the right civil liability insurance in place to protect your business from these risks.

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What does civil liability insurance cover me against?

That depends on the policy features you choose to bundle with your policy. You will usually have the option of including some or all of the following with your policy:

  • Public liability insurance
  • Professional indemnity insurance
  • Product liability insurance

Which of these policy features you include when taking out civil liability insurance will depend on the nature of your business. If you’re a financial adviser you might not need product liability insurance, for instance, but professional indemnity cover would be essential.

Alternatively, cake making businesses might want to ensure they have topnotch product liability cover in case one of their customers gets food poisoning, whereas they might be able to forgo professional indemnity insurance.

How much does civil liability insurance cost?

Some SMEs and sole traders have a higher risk of civil liability claims than others, so the exact nature of your business will have a significant impact on the cost of your civil liability insurance.

A range of other variables will also be used to calculate your premium, many of which are specific to you (your location, the amount you’d like to be covered for, whether or not you’ve claimed on a civil liability insurance policy in the past) so it’s difficult to provide any sort of meaningful figure without comparing real quotes.

As already mentioned, there are also a wide range of policy features and add-ons that can be bundled with your policy, and those can have a significant impact on your insurance premium too.

Is civil liability insurance a legal requirement?

No, small businesses and sole traders are under no legal obligation to take out civil liability insurance, and that holds true no matter what your business does.

However, if a member of the public was ever injured on your premises or suffered a loss due to a faulty product or poor advice and you were held liable you would have to pay the resulting compensation pay-outs and legal fees yourself unless you had a  civil liability insurance policy in place at the time of the incident, so this type of insurance usually is a wise investment.