The cost of public liability insurance varies widely depending on the type of business, level of risk, coverage amount, and claims history. This insurance protects businesses and individuals against financial loss if someone is injured or their property is damaged due to your activities.

For low-risk businesses or sole traders, the cost can start from as little as £5–£10 per month, while higher-risk professions like builders or contractors may pay £100–£500 per year for more extensive coverage. Coverage limits typically range from £1 million to £5 million, with higher limits increasing premiums slightly.

Key factors affecting the cost include:

Business type and risk – High-risk industries pay more.

Coverage limit – Higher coverage = higher premium.

Claims history – Past claims can increase premiums.

Business size and turnover – Larger businesses generally pay more.

Understanding the cost of public liability insurance allows businesses and individuals to plan their budgets and ensure adequate protection against unexpected claims.