{"id":584,"date":"2023-08-17T08:58:49","date_gmt":"2023-08-17T08:58:49","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/how-much-public-liability-insurance-do-i-need\/"},"modified":"2026-02-03T12:45:11","modified_gmt":"2026-02-03T12:45:11","slug":"how-much-public-liability-insurance-do-i-need","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/how-much-public-liability-insurance-do-i-need\/","title":{"rendered":"How much public liability insurance do I need?"},"content":{"rendered":"\n
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How much public liability insurance do I need?<\/h1>\n\n\n\n
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Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n

The amount of public liability insurance<\/a> you need depends on the work you do and whether your clients expect a certain level of cover. Most insurers offer between \u00a31 million and \u00a310 million, and when you\u2019re choosing a cover level you should think about the possible size of compensation demands.<\/p>\n\n\n\n

It\u2019s up to you to decide how much public liability insurance you need, although it\u2019s sensible to check with your potential clients to see if they expect a particular level of cover.<\/p>\n\n\n\n

In particular, government or local authority contracts usually ask for suppliers to have between \u00a35 million and \u00a310 million of public liability insurance.<\/p>\n\n\n\n

You should also think about the scale of the work you do and the possible extent of compensation claims if something went wrong. Remember that compensation figures can be very high because they can take into account things like lost income and medical costs.<\/p>\n\n\n\n

Simply Business offers a minimum of \u00a31 million and a maximum of \u00a310 million of public liability insurance. You can buy it on its own or as part of a tailored business insurance policy<\/a>.<\/p>\n\n\n\n

Popular trades we insure<\/h4>\n\n\n\n

At Simply Business we insure all kinds of trades like:<\/p>\n\n\n\n