Last reviewed: 2 August 2026
Public Liability Insurance Calculator UK
Public liability insurance for a small UK business or sole trader typically starts from around £5–£7 a month for a basic policy, rising with your cover level, headcount and trade. This calculator gives you an orientative range in seconds, built on prices we've verified directly on providers' own websites — not guesswork, and not a personalised quote.
Estimate your public liability insurance cost
Free, orientative estimate based on publicly advertised starting prices. Not a personalised quote — see how this is calculated.
Estimated annual premium range
£61 – £135
Based on advertised starting prices, not a personalised quote.
What is public liability insurance?
Public liability insurance covers your business if a member of the public is injured, or their property is damaged, as a result of your work. It's the policy that pays out if a client trips over your equipment, a passer-by is hit by something on a job site, or a dog you're paid to walk causes an accident. It isn't a legal requirement for most sole traders, but many clients, landlords and councils won't work with you without it — which makes it effectively essential for anyone dealing with the public.
How this site works
Every price you see on this site is either a starting price we've verified directly on a provider's own website — labelled "advertised starting price" with a source link and the date we checked it — or it's clearly attributed to whoever published it, such as a comparison site's own average. We never publish a figure we can't trace back to a source. Where we couldn't verify something, we say so and leave it out, rather than guessing. Full detail is in our methodology.
Explore by trade, cover level or business type
- Dog walker insurance — the deepest guide on this site, including the care-custody-control trap and XL Bully cover by provider.
- £5 million public liability insurance — when you need it and what it typically costs more than £1m cover.
- Sole trader public liability insurance — how being a sole trader specifically affects your cover and price.
This is general information, not financial or insurance advice. Figures are advertised starting prices or orientative estimates, not personalised quotes. Some links on this page are affiliate links — see our disclaimer and methodology.
Affiliate link · AXA Business Insurance
AXA Business Insurance covers a wide range of trades and cover levels. Compare options and get a quote directly on their site.