Login Menu

Compare civil liability insurance quotes now

Cheap Civil Liability Insurance

  • Quotes from UK insurance providers
  • One short form – save time & money

Policies and deals from industry leading insurance providers, including

Gallagher Insurance
Howden
We Insure Small Business
Coversure Insurance Services
Swinton
Towergate Insurance
Crosby Insurance Brokers
Premierline
CateringInsurance.co.uk
Business Choice Direct
Insync Insurance
Nova Insurance
Yellow Jersey Cycle Insurance
Lifestyle Insurance Brokers
GSI Insurance
Peacock Insurance Services
Compare Insurance
Rhino Trade Insurance
Kingsbridge Contractor Insurance
Brady Insurance
Edison Ives Insurance
GoSkippy 4 Business
Dickson & Co
Aldium Insurance
Gauntlet Group
Abbey Autoline
Suited
QCIS
Konsileo
Walmsleys Commercial Insurance Brokers Ltd
Clegg Gifford Insurance
Fuzzy Insurance
Howden

Looking for cheaper insurance?

secure

Secure & Encrypted

We guarantee your confidence when shopping online by following the latest internet security standards.

person

Over three million users

Join our ever-growing list of satisfied customers today.

time-money

You could save time and money

Get your quotes by filling in one simple form, compare prices, and start saving.

scales

Independent and unbiased service

We aren’t owned by or have any investment from any insurance company.

What people have to say about us

Best Insurance comparison site.

Prabesh

Leicester, United Kingdom

Easy and very fair quotes, thanks.

Terry

Grays, United Kingdom

4.75/5 from 3262 customer reviews

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.

Compare civil liability insurance quotes now

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.