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Small Business Public Liability Insurance – Compare Cheap Quotes


If you’re a small business owner that interacts with members of the public on a regular basis there is a risk that you might be hit with a public liability claim if someone is injured on your premises and you are held liable.

It’s not just liability claims for physical injuries that this type of public liability insurance can protect your small business against, though – if a member of the public sues the business because their property or belongings were damaged or destroyed this type of insurance can cover the resulting legal expenses and compensation pay-outs in those cases too.

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How much does small business liability insurance cost?

Some types of businesses have a higher risk of public liability claims than others, so the exact nature of your business will have a significant impact on the cost of your small business 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 public liability insurance policy in the past) so it’s difficult to provide any sort of meaningful figure without comparing real quotes.

It’s also worth bearing in mind that there are a wide range of add-ons that can be bundled with your small business liability insurance, and those can have a significant impact on your insurance premium too.

Do retail businesses have a legal obligation to take out small business liability insurance?

No, as it’s a form of public liability insurance your small business isn’t legally obliged to take out small business liability insurance, and that holds true no matter what your small business does.

However, retail businesses have a higher risk of facing a liability claim than some other types of businesses, which means small business liability insurance could be a particularly sensible investment for retail businesses.

Does small business liability insurance cover me if one of my employees accidentally injures a member of the public?

Yes, if one of your own employees accidentally injures a customer, a visitor, a delivery person or a salesperson your small business liability insurance should cover you if the incident results in a liability claim.

Does the accident have to happen on my own premises in order for it to be covered?

No, not necessarily.

If you’re insuring a retail, catering or hospitality business then any accidents that happen at your shop, restaurant, cafe or hotel should obviously be covered. However, if your business provides a delivery service or runs events at other venues then you could just as easily face a liability claim if something happens at one of those locations, but fortunately your small business liability insurance will usually cover you in those cases as well.

What other types of add-ons can I bundle with a small business insurance policy?

There are a number of different add-ons you can bundle with your small business insurance, but some of the most popular ones include:

  • Employers’ liability insurance: If your small business employs staff you have a legal obligation to take out employers’ liability insurance, even if those employees only work for you on a part time basis.
  • Product liability insurance: If your small business sells physical products and a fault with one of those products leads to a member of the public being injured in some way this type of insurance could cover the resulting legal fees and compensation claims.
  • Directors and officers insurance: This type of add-on is specifically intended to protect the business’s senior management against the risk of liability claims, which could arise if it was argued that the business was mismanaged in some way and that in turn resulted in losses for third parties.

If you have anymore queries please refer to our FAQ page.