{"id":734,"date":"2024-04-24T16:24:58","date_gmt":"2024-04-24T16:24:58","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/"},"modified":"2026-05-08T10:22:59","modified_gmt":"2026-05-08T10:22:59","slug":"public-liability-insurance","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/","title":{"rendered":"Public liability insurance"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull hero-insurance has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-3bed416a wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-group alignwide hero-insurance__grid is-nowrap is-layout-flex wp-container-core-group-is-layout-b6b71352 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group hero-insurance__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h1 class=\"wp-block-heading has-text-align-left has-x-large-font-size\" id=\"h-seo-h1\">{{SEO H1}}<\/h1>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-medium-font-size wp-elements-9b0e11577f1e54b36017fd665f717887 wp-block-paragraph\" style=\"line-height:1.5\">{{STRAP LINE COPY}}<\/p>\n\n\n\n<div class=\"simply-business-trade-selector simply-business-trade-selector--default wp-block-simply-business-trade-selector\">\n\t\n<div data-site=\"simplybusiness\" class=\"trade-selector trade-selector--default\">\n\t<label class=\"trade-selector__label\" for=\"trade-selector\">\n\t\t<input\n\t\t\tdata-type=\"trade\"\n\t\t\tid=\"trade-selector\"\n\t\t\taria-haspopup=\"true\"\n\t\t\taria-expanded=\"false\"\n\t\t\taria-controls=\"trade-results\"\n\t\t\taria-autocomplete=\"none\"\n\t\t\taria-activedescendent=\"trade-selector\"\n\t\t\tautocapitalize=\"false\"\n\t\t\tautocorrect=\"false\"\n\t\t\tautocomplete=\"off\"\n\t\t\tclass=\"trade-selector__input\"\n\t\t\trole=\"combobox\"\n\t\t\tspellcheck=\"false\"\n\t\t\tplaceholder=\"I&#039;m a Builder, Carpenter, Painter, Electrician ...\"\n\t\t\ttype=\"text\"\n\t\t\tdata-quote-url=\"\"\n\t\t\/>\n\t<\/label>\n\n\t\n\t<div class=\"trade-selector__panel\" id=\"trade-panel\" role=\"listbox\" aria-label=\"Trade Results\" aria-hidden=\"true\">\n\n\t\t<div id=\"trade-selector-loading\" aria-hidden=\"true\" class=\"trade-selector__loading\">\n\t\t\tLoading&#8230;\t\t<\/div>\n\n\t\t<div id=\"trade-selector-no-results\" aria-hidden=\"true\" class=\"trade-selector__no-results\" role=\"status\" aria-atomic=\"true\">\n\t\t\tSorry, that&#039;s not a trade we know!<br>Please try again.\t\t<\/div>\n\n\t\t<div id=\"trade-results\" aria-hidden=\"true\" class=\"trade-selector__results\">\n\t\t\t<p data-result=\"exact\" role=\"heading\">\n\t\t\t\tExact Matches for Your Search\t\t\t<\/p>\n\t\t\t<ul id=\"exact-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t\t<p data-result=\"suggest\" role=\"heading\">\n\t\t\t\tSuggested Matches for Your Search\t\t\t<\/p>\n\t\t\t<ul id=\"suggested-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t\t<ul id=\"generic-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t\t<div class=\"wp-block-button has-size-medium is-style-primary\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/quote.simplybusiness.co.uk\/business\" class=\"wp-block-button__link wp-element-button trade-selector__submit\">\n\t\t\t\t\tStart your quote\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">UK-based expert support, online and on the phone<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Get covered and all your documents the same day<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Find liability insurance quotes in 7 minutes<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{USP BULLET 4}}<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-xxs-font-size wp-elements-fb6c017edb10e1b396eb76660400d448 wp-block-paragraph\" style=\"line-height:1.7\">{{HERO DISCLAIMER}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group hero-insurance__img-container has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img decoding=\"async\" fetchpriority=\"high\" loading=\"eager\" width=\"1024\" height=\"538\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Woman in a sequin dress standing next to a female baker\" style=\"border-radius:10px;width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png 1200w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png?resize=800,420 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png?resize=768,403 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png?resize=1024,538 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png?resize=150,79 150w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-0111f410 wp-block-columns-is-layout-flex has-3-columns wp-block-block\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-f98a563b5597620ea8c0a3b82a1fd257 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--20)\">Compare quotes from leading brands<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-layout-flex wp-container-core-group-is-layout-f0b9e014 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"88\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/AIG.png\" alt=\"AIG insurance logo\" class=\"wp-image-26362\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"66\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/axa.webp\" alt=\"Axa insurance logo\" class=\"wp-image-6226\" style=\"width:33px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"73\" height=\"33\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Churchill_Logo_Colour.png\" alt=\"Churchill insurance logo\" class=\"wp-image-34276\" style=\"width:73px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"119\" height=\"83\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Asset-2-1.png\" alt=\"Covea insurance logo\" class=\"wp-image-38892\" style=\"width:57px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"67\" height=\"33\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/hiscox.webp\" alt=\"Hiscox insurance logo\" class=\"wp-image-19204\" style=\"width:65px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"98\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp\" alt=\"Zurich insurance logo\" class=\"wp-image-10327\" style=\"width:49px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp 98w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp?resize=96,66 96w\" sizes=\"auto, (max-width: 98px) 100vw, 98px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7ce07128 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"69\" height=\"105\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/03\/Rating_33x50_150_92f8c1.png\" alt=\"Thumbs up emoji\" class=\"wp-image-34299\" style=\"width:33px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-f1189ed3 wp-block-group-is-layout-flex\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-6f58445ff9241e0ffe20be82ffeb3712 wp-block-paragraph\" style=\"margin-bottom:0;line-height:1.7\"><strong>Rated 4.5\/5<\/strong><\/p>\n\n\n\n<p class=\"has-yellow-400-color has-text-color has-link-color has-xxs-font-size wp-elements-50340db96b63934a24afd89a65e92cd7 wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--10)\"><svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg><\/p>\n<\/div>\n\n\n\n<p class=\"has-azure-500-color has-text-color has-link-color wp-elements-361daf516b3dd5bf0bd7f5d885ccc85f wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.7\">Based on&nbsp;40k&nbsp;reviews<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7ce07128 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"69\" height=\"105\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/03\/Claims_33x50_150_8c1442.png\" alt=\"24 hour clock emoji\" class=\"wp-image-34300\" style=\"width:33px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-f1189ed3 wp-block-group-is-layout-flex\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-19421ae9553e0d28e65ad157e6bc0bac wp-block-paragraph\" style=\"margin-bottom:0;line-height:1.7\"><strong>Claims paid in 24 hours<\/strong><mark class=\"has-inline-color has-yellow-400-color\"><\/mark><\/p>\n\n\n\n<p class=\"has-yellow-400-color has-text-color has-link-color has-xxs-font-size wp-elements-c1ca888616921a368ecc273fe13fad71 wp-block-paragraph\"><\/p>\n<\/div>\n\n\n\n<p class=\"has-azure-500-color has-text-color has-link-color wp-elements-d1190afa2e0a7bfbd4846d98d6c6a62f wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.7\">For over 95% of settled claims<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator alignfull has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"sticky-navigation-block alignwide wp-block-simply-business-sticky-navigation\">\n\t<div class=\"site-container sticky-navigation-block__container\">\n\t\t<div class=\"sticky-navigation-block__title\">\n\t\t\t<p>What&#039;s on this page<\/p>\n\t\t<\/div>\n\t\t<ul class=\"sticky-navigation-block__list\" tabindex=\"0\">\n\t\t\t\t\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#what-is-public-liability-insurance\">What is public liability insurance?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#why-do-I-need-public-liability-insurance\">Why do I need public liability insurance?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#what-does-it-cover\">What does it cover?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-much-does-it-cost\">How much does it cost?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#who-needs-public-liability-insurance\">Who needs public liability insurance?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-do-claims-work\">How do claims work?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#faqs\">FAQs<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#helpful-articles\">Helpful articles<\/a>\n<\/li>\n\n\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"what-is-public-liability-insurance\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">What is public liability insurance?  <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Public liability insurance protects your business if someone is injured or their property is damaged because of your work. It\u2019s a type of <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance<\/a> that can cover the legal fees and compensation costs if a client or member of the public sues your business.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"why-do-I-need-public-liability-insurance\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Why do I need public liability insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The UK\u2019s most common accident is a slip, trip, or fall, and the majority of them happen out and about. This means anyone who\u2019s nearby while you\u2019re working, whether that\u2019s a customer or client, or even a passer-by, could suffer an injury that results in a claim against your business. Public liability insurance, also known as PL or liability insurance, can protect your business if an accident happens on your premises or off site.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\"><strong>get<\/strong> <strong>it<\/strong> <strong>as<\/strong> <strong>a<\/strong> <strong>standalone<\/strong> <strong>cover<\/strong> or add it to a broader business insurance policy<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>rated<\/strong> <strong>4.5\/5<\/strong> based on 40k customer reviews<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>no fees<\/strong> for adjusting your policy*<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-a3b64131a9ed44d9ea51be5604f5e04e has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\">*If you make a change to your insurance which affects the risk of the insurance you may still be charged an additional premium by your insurer. But we won\u2019t charge an admin fee for making the change.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business?_gl=1*8xnl27*_ga*MTgwNDc5MjUzNC4xNzE1NzUwOTI2*_ga_PCBVYX06QP*MTcxNTkyMzgwOC44LjEuMTcxNTkzMjUyNS42MC4wLjA.\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator alignfull has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"\/>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-flow wp-block-group-is-layout-flow\" id=\"what-does-it-cover\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"employeeinsurancewhatscovered\">What does public liability insurance cover?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Public liability insurance typically covers you for accidents on your premises or off site. This could be a customer tripping over your toolbox or damaging someone\u2019s dress during wedding day hairstyling.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s important to review a public liability insurance quote carefully and check if your insurer covers you for the risks you face. For example, some insurers won\u2019t cover accidents caused by your products.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Keep in mind, accidents caused by your employees will only be covered if you have <\/strong><a data-type=\"page\" data-id=\"370\" href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/employers-liability-insurance\/\"><strong>employers\u2019 liability insurance<\/strong><\/a><strong> in place too.<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"carousel wp-block-simply-business-carousel\">\n\t<div aria-label=\"\" class=\"splide splide--primary\">\n\t\t<div class=\"splide__track\">\n\t\t\t<ul class=\"splide__list wp-block-simply-business-carousel__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Injury-Third-party-injury-Personal-accident.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"A leg in a sling\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Injury-Third-party-injury-Personal-accident.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Injury-Third-party-injury-Personal-accident.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tInjury\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Damage-Third-party-property-damage-Property-damage-Buildings.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"Two purple buildings side by side\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Damage-Third-party-property-damage-Property-damage-Buildings.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Damage-Third-party-property-damage-Property-damage-Buildings.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tDamage\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Product-Liability.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Product-Liability.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Product-Liability.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tProduct liability\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t<div class=\"splide__arrows\">\n\t\t\t<button class=\"splide__arrow splide__arrow--prev\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M7 3 2 8l5 5m6.5-5h-10\" \/><\/svg>\n\t\t\t<\/button>\n\t\t\t<button class=\"splide__arrow splide__arrow--next\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\" \/><\/svg>\n\t\t\t<\/button>\n\t\t<\/div>\n    <\/div>\n<\/div>\n<div class=\"splide splide--secondary wp-block-simply-business-carousel__content-secondary\">\n\t<div class=\"splide__track\">\n\t\t<ul class=\"splide__list wp-block-simply-business-carousel__content-list\">\n\t\t\t\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"injurytab-0\">\n\t\n\n<h3 class=\"wp-block-heading\">Injury<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What does this cover?<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">accidental injury to a third party, as a direct result of your work<\/li>\n\n\n\n<li class=\"wp-block-list-item\">legal fees and cover, up to the level stated on your policy wording <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>When would I need to make a claim? <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">for example, you accidentally spill boiling water on your client\u2019s hand, causing a bad burn and long-term injury <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What isn\u2019t covered?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">accidental injury caused by your employees or anyone else in your business \u2013 you\u2019d usually need to add employers\u2019 liability insurance to cover this<\/li>\n<\/ul>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"damagetab-1\">\n\t\n\n<h3 class=\"wp-block-heading\">Damage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What does this cover?<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">accidental damage to a third party\u2019s property, as a direct result of your work<\/li>\n\n\n\n<li class=\"wp-block-list-item\">legal fees and cover, up to the level stated on your policy wording<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>When would I need to make a claim? <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">for example, you accidentally knock your client\u2019s laptop onto a hard concrete floor, damaging it beyond repair<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What isn\u2019t covered?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">accidental damage caused by your employees or anyone else working for your business \u2013 you\u2019d usually need to add employers\u2019 liability insurance to cover this<\/li>\n<\/ul>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"product-liabilitytab-2\">\n\t\n\n<h3 class=\"wp-block-heading\">Product liability<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What does this cover?<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">accidental injury to a third party, caused by a product you\u2019ve made or sold<\/li>\n\n\n\n<li class=\"wp-block-list-item\">legal fees and cover, up to the level stated on your policy wording<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>When would I need to make a claim? <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">for example, you accidentally give a customer food poisoning, as a result of food you\u2019ve prepared and sold from your snack bar, or <\/li>\n\n\n\n<li class=\"wp-block-list-item\">your wooden toy company is held responsible for a child\u2019s injury, caused by a defect in a product you\u2019ve made<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What isn\u2019t covered?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">accidental damage caused by your employees or anyone else in your business \u2013 you\u2019d usually need to add employers\u2019 liability insurance to cover this<\/li>\n\n\n\n<li class=\"wp-block-list-item\">not all insurers offer cover for product liability \u2013 check your policy wording carefully before you buy <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/types-of-insurance-covers\/\" data-type=\"page\" data-id=\"552\">See more covers<\/a><\/p>\n\n<\/li>\n\n\t\t<\/ul>\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"h-what-s-not-included\">What\u2019s not included:<\/h3>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">i<strong>njury to your staff <\/strong>\u2013 an accident that leads to the injury of one of your employees won\u2019t be covered by your public liability insurance. For injuries to your staff you\u2019d claim on your <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/employers-liability-insurance\/\" data-type=\"page\" data-id=\"370\">employers\u2019 liability insurance<\/a>.&nbsp;&nbsp;<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>professional advice claims<\/strong> \u2013&nbsp;public liability won\u2019t cover cases where someone makes a claim against you for a professional mistake, like bad advice, that leads to a financial loss. <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/professional-indemnity-insurance\/\" data-type=\"page\" data-id=\"720\">Professional indemnity insurance<\/a> is the correct cover for these cases.<\/li>\n\n\n\n<li class=\"wp-block-list-item\" style=\"line-height:1.4\"><strong>property related claims<\/strong> \u2013 public liability covers accidents that damage other people\u2019s property. To protect your own property, you\u2019d need <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/commercial-buildings-insurance\/\" data-type=\"page\" data-id=\"494\">commercial building insurance<\/a>.&nbsp;<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-84122ba7d1851f60be7f1088ff30751e has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>This content has been created for general information purposes. Make sure you have the right level of <a href=\"\/business-insurance\/\">business insurance<\/a> by checking your policy documentation for details. <a href=\"\/terms-conditions\/\">Read our full Terms and Conditions<\/a><\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-much-does-it-cost\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howmuchdoesemployeeliabilityinsurancecost\">How much does public liability insurance cost?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Working out the cost of public liability insurance depends on a number of factors, like the type of business you run and the level of cover you choose. Usually, businesses who insurers see as risky will pay more for their public liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Find out how much you\u2019ll pay by completing an insurance comparison from a range of <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/insurers\/\" data-type=\"page\" data-id=\"643\">trusted insurers<\/a>.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group cta-box has-azure-300-background-color has-background is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-cb46ffcb wp-block-group-is-layout-flex\" style=\"border-radius:8px\">\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>{{PRICE MESSAGING}}<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color has-xxs-font-size wp-elements-90c8bcdb05d6f36b866ba0888c76e9e0 is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-azure-800-color has-text-color has-link-color has-xxs-font-size wp-elements-6a7819a8be72bc49312bd8de60cec980 wp-block-paragraph\" style=\"margin-right:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--20)\"><em>{{PRICING CTA DISCLAIMER}}<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"exampleemployersliabilityinsurancequotesrealprices\">Public liability insurance quote examples, real prices<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-0f8caa7e wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-large size-full pricing-box__image\"><img decoding=\"async\" src=\"{{LOGO QUOTE A}}\" alt=\"\" style=\"object-fit:cover\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-right is-layout-flex wp-container-core-group-is-layout-16a37519 wp-block-group-is-layout-flex\">\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-f413a5a648ed7a401ba28b567f54ee2a wp-block-paragraph\" style=\"line-height:1.2\"><strong>{{MONTHLY PRICE QUOTE A}} \/month<\/strong><\/p>\n\n\n\n<p class=\"has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-5a3d935c3efd00eba721bdaff6f76584 wp-block-paragraph\" style=\"line-height:1.7\">{{ANNUAL PRICE QUOTE A}} \/year<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-72ede423982469ecbba424a60b702a25 wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;line-height:1.7\">{{DESCRIPTION QUOTE A}}<\/p>\n\n\n\n<ul style=\"margin-top:var(--wp--preset--spacing--20);margin-right:0;margin-bottom:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;line-height:1.7\" class=\"wp-block-list pricing-box__details-list has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-144ca3f5d2f5714b0502dd6031facc94\">\n<li class=\"wp-block-list-item\">{{BULLET 1 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 2 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 3 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 4 QUOTE A}}<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-4cab893a484f41435e7ce1d81f33f1df is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-80e66e9b wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 1 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 1 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 2 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 2 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 3 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 3 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-115c1f0e wp-block-group-is-layout-flex\" style=\"border-bottom-style:none;border-bottom-width:0px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 4 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 4 QUOTE A}}<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-0f8caa7e wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-large size-full pricing-box__image\"><img decoding=\"async\" src=\"{{LOGO QUOTE B}}\" alt=\"\" style=\"object-fit:cover\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-right is-layout-flex wp-container-core-group-is-layout-16a37519 wp-block-group-is-layout-flex\">\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-1761615dcec384ecea9a504af30bc541 wp-block-paragraph\" style=\"line-height:1.2\"><strong>{{MONTHLY PRICE QUOTE B}} \/month<\/strong><\/p>\n\n\n\n<p class=\"has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-e654ae0339daeeff98fb0bbcde1bc6ca wp-block-paragraph\" style=\"line-height:1.7\">{{ANNUAL PRICE QUOTE B}} \/year<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-d7de148fa6627d2dd40dec329e48bfb9 wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;line-height:1.7\">{{DESCRIPTION QUOTE B}}<\/p>\n\n\n\n<ul style=\"margin-top:var(--wp--preset--spacing--20);margin-right:0;margin-bottom:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;line-height:1.7\" class=\"wp-block-list pricing-box__details-list has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-159db0980dd7ea8fffc2e0df1de68f70\">\n<li class=\"wp-block-list-item\">{{BULLET 1 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 2 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 3 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 4 QUOTE B}}<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-a88a70f7571ef790d5a96f3279432ca9 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-80e66e9b wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 1 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 1 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 2 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 2 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 3 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 3 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-115c1f0e wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 4 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 4 QUOTE B}}<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-b320564db84ec4b9933714f55c53e45f has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em><strong>How we work out example quotes:<\/strong> These examples are real quotes from our online system (created {{EXAMPLE QUOTE DATE}}). They\u2019re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you\u2019re quoted may differ to the ones you see here.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" id=\"how-it-works\">\n<div class=\"wp-block-group alignwide list-table has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h2 class=\"wp-block-heading\" id=\"h-how-it-works\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">How it works<\/h2>\n\n\n\n<div class=\"wp-block-group list-table__stepper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--70)\">\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-pick-what-goes-into-your-policy\" style=\"margin-top:0;margin-bottom:0\">Pick what goes into your policy<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-543e61b7840f6aacb7765e2c5f297d36 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Only pay for what you need<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-get-prices-from-a-range-of-insurers\" style=\"margin-top:0;margin-bottom:0\">Get prices from a range of insurers<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-353915448579f5843ccd3d48a6308003 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Choose the best fit for you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-buy-online-in-minutes\" style=\"margin-top:0;margin-bottom:0\">Buy online in minutes<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-e5970816c7921913b7c8ba5457a2eeb3 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Get your documents the same day<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center list-table__table is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns list-table__table-column-head is-layout-flex wp-container-core-columns-is-layout-b72f7a82 wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--dark-800);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"390\" height=\"108\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?w=390\" alt=\"\" class=\"wp-image-26483\" style=\"width:90px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png 390w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?resize=150,42 150w\" sizes=\"auto, (max-width: 390px) 100vw, 390px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Direct to<br>insurer<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Highstreet<br>broker<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-c155f70b7a56451613a4a356b3b93530 wp-block-paragraph\" style=\"line-height:1.3\">Compare policies from a range of trusted insurers<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-420821db296939de244288cb0da6161e wp-block-paragraph\" style=\"line-height:1.3\">Buy online or over the phone in minutes<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:30px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"who-needs-public-liability-insurance\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"doesemployersliabilityinsurancecovermywork\">Who needs public liability insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Public liability insurance for SME businesses protects your work by covering the legal claim if a member of the public is injured, gets ill, or loses out financially and blames your business. Some examples of trades we cover include:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"33\" height=\"33\" fill=\"none\" viewBox=\"0 0 33 33\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M15.334 27.245h-8.07a2.026 2.026 0 0 1-2.017-2.034V13.204M1.214 11.17 14.03 1.481a2.004 2.004 0 0 1 2.607 0l12.816 9.689\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M11.299 27.245v-5.494c0-1.123.903-2.034 2.017-2.034h2.017\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M15.334 13.204c1.67 0 3.026-1.366 3.026-3.051s-1.355-3.051-3.026-3.051-3.026 1.366-3.026 3.05c0 1.686 1.355 3.052 3.026 3.052\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.411 21.34v10.17\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M27.436 21.34h-5.042c-.89.153-1.667.7-2.114 1.491a.503.503 0 0 1-.912-.3v-2.208c0-2.247 1.806-4.068 4.034-4.068h4.034zm.672-6.102h3.362v7.119h-3.36a.675.675 0 0 1-.673-.678v-5.763c0-.375.301-.678.672-.678Z\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-builders\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/builders-insurance\/\" data-type=\"page\" data-id=\"471\">Builders<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"32\" fill=\"none\" viewBox=\"0 0 30 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M5.31 1c-1.107-.002-2.026.814-2.1 1.867l-1.818 26a1.95 1.95 0 0 0 .563 1.5c.398.405.954.634 1.535.633h2.415c.963 0 1.802-.625 2.036-1.515l.254-.969C8.428 27.626 9.268 27 10.231 27h9.315c.963 0 1.802.625 2.035 1.516l.255.97c.233.89 1.073 1.514 2.035 1.514h2.415a2.15 2.15 0 0 0 1.536-.632c.398-.404.601-.948.563-1.501l-1.82-26c-.072-1.053-.99-1.87-2.097-1.867z\" clip-rule=\"evenodd\"\/><rect width=\"10.493\" height=\"4\" x=\"9.642\" y=\"5\" stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" rx=\".5\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M14.889 23c2.897 0 5.246-2.239 5.246-5s-2.35-5-5.247-5-5.246 2.238-5.246 5 2.349 5 5.247 5\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m11.18 21.536 7.414-7.068\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-cleaners\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/cleaning-insurance\/\" data-type=\"page\" data-id=\"541\">Cleaners<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-taylor-700-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" fill=\"none\" viewBox=\"0 0 24 24\"><path fill=\"#6B5BE0\" d=\"M3.875 8.398 12 13.984l8.125-5.586V6.875H3.875zm16.25 2.266L12 16.25l-8.125-5.586v7.461h16.25zM2 18.125V5h20v15H2z\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-couriers\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/courier-insurance\/\" data-type=\"page\" data-id=\"551\">Couriers<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" fill=\"none\" viewBox=\"0 0 24 24\"><path fill=\"#6b5be0\" d=\"m14.89 7.89-5.507 5.508-.235 1.954 1.954-.235 5.507-5.508zm3.712 2.383-.665.665L12 16.875l-3.086.39L7 17.5l.234-1.914.391-3.086 5.937-5.937.665-.665.664-.664 1.406-1.406L17.625 2.5l1.29 1.328 1.757 1.758L22 6.875l-1.328 1.328-1.406 1.406zm-.665-1.953 1.407-1.445-1.719-1.719-1.445 1.407zM2.937 5h7.813v1.875H3.875v13.75h13.75V13.75H19.5v8.75H2V5z\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-limited-companies\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/limited-company-insurance\/\" data-type=\"page\" data-id=\"676\">Limited companies<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" fill=\"none\" viewBox=\"0 0 24 24\"><path fill=\"#6B5BE0\" d=\"m13.875 17.656-1.25-.703a13.77 13.77 0 0 1-5.078-5.078l-.703-1.25 1.015-1.016L9.15 8.32 7.702 4.648l-3.828.665c.156 8.398 6.914 15.156 15.313 15.312l.664-3.828-3.672-1.445-1.29 1.289zm1.875-4.531 6.25 2.5-1.25 6.875H19.5C9.813 22.5 2 14.688 2 5V3.75L8.875 2.5l2.5 6.25-2.187 2.188a11.76 11.76 0 0 0 4.374 4.374z\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-office-based-businesses\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/commercial-buildings-insurance\/\" data-type=\"page\" data-id=\"494\">Office-based businesses<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"32\" fill=\"none\" viewBox=\"0 0 34 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m22.012 6.98-3.025 10.008h-8.065l-2.016-6.005h11.896m-9.375 9.007c.278 0 .504.225.504.501s-.226.5-.504.5a.503.503 0 0 1-.505-.5c0-.276.226-.5.505-.5m7.057-.001c.28 0 .505.225.505.501s-.226.5-.505.5a.503.503 0 0 1-.505-.5c0-.276.227-.5.505-.5\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19.465 26.205c-5.727 2.08-12.14-.042-15.468-5.114A12.926 12.926 0 0 1 5.54 4.979C9.77.62 16.474-.262 21.702 2.852c5.23 3.113 7.601 9.398 5.72 15.156\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M22.827 21.799 26.39 31l2.139-3.539 3.564-2.123-9.266-3.54v0Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m32.093 31-3.564-3.539\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-online-retailers\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/online-retailers-insurance\/\" data-type=\"page\" data-id=\"701\">Online retailers<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-taylor-700-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"32\" fill=\"none\" viewBox=\"0 0 35 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M30.801 1h-26.1a1.07 1.07 0 0 0-1.046.839l-1.953 8.804a3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.209 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214l-1.955-8.804A1.07 1.07 0 0 0 30.8 1Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M11.331 31V20.286m0 0h1.07a3.21 3.21 0 0 1 3.21 3.214 3.21 3.21 0 0 1-3.21 3.214h-1.07\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M4.912 20.286a2.14 2.14 0 0 0-2.14 2.142v6.429a2.141 2.141 0 1 0 4.28 0v-6.429a2.14 2.14 0 0 0-2.14-2.142\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.17 31h-2.14c-1.181 0-2.14-.96-2.14-2.143v-6.429c0-1.183.959-2.142 2.14-2.142h2.14m-4.28 6.428h4.28M28.45 31V20.286L32.73 31V20.286\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-pubs\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/pub-insurance\/\" data-type=\"page\" data-id=\"733\">Pubs<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"border-style:none;border-width:0px\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-taylor-700-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"29\" fill=\"none\" viewBox=\"0 0 27 29\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m7.365 13.579 2.753 3.916a1.18 1.18 0 0 0 1.918.058l8.811-11.169\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M3.164 1.99c-.93 0-1.685.756-1.685 1.688v10.126c0 5.415 8.128 11.44 10.89 13.23.552.36 1.263.36 1.814 0 2.763-1.79 10.89-7.815 10.89-13.23V3.678a1.69 1.69 0 0 0-1.685-1.688z\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-security-guards\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/security-guard-insurance\/\" data-type=\"page\" data-id=\"738\">Security guards <\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-azure-600-color has-text-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;min-height:0px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" fill=\"none\" viewBox=\"0 0 24 24\"><path fill=\"#6b5be0\" d=\"M15.125 7.5c0-1.094-.625-2.11-1.562-2.695-.977-.547-2.188-.547-3.126 0-.976.586-1.562 1.601-1.562 2.695 0 1.133.586 2.148 1.563 2.734.937.547 2.148.547 3.124 0 .938-.586 1.563-1.601 1.563-2.734M7 7.5c0-1.758.938-3.398 2.5-4.297 1.523-.898 3.438-.898 5 0 1.523.899 2.5 2.54 2.5 4.297 0 1.797-.977 3.438-2.5 4.336-1.562.898-3.477.898-5 0A4.97 4.97 0 0 1 7 7.5M5.79 20.625h12.42l-1.366-4.375H7.117zm-.04-6.25h12.5l1.914 6.25.586 1.875H3.25l.547-1.875z\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-sole-traders\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/sole-trader-insurance\/\" data-type=\"page\" data-id=\"755\">Sole traders<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">Is your profession not listed? When you <a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">run a quote<\/a> you can select your trade from over 1,000 options. Running a quote should give you an idea of the PL insurance cost for your business.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-89844a45 wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-top:42px;padding-right:var(--wp--preset--spacing--30);padding-bottom:42px;padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-talk-to-an-expert\">Talk to an expert<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-right:var(--wp--preset--spacing--100);margin-left:var(--wp--preset--spacing--10)\">Our team of UK-based insurance experts are here to help,&nbsp;Mon 09.00am &#8211; 05.30pm, Tues 09.00am &#8211; 05.30pm, Weds 09.00am &#8211; 05.30pm, Thurs 09.30am &#8211; 05.30pm, Fri 09.00am &#8211; 05.30pm, Sat 09.00am &#8211; 02.00pm<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png\" alt=\"\" class=\"wp-image-14026\" style=\"width:97px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png 128w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png?resize=96,96 96w\" sizes=\"auto, (max-width: 128px) 100vw, 128px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:90%\">\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><span style=\"color: var(--wp--preset--color--azure-800);font-family: var(--wp--preset--font-family--museo-sans);font-size: revert;font-weight: var(--wp--custom--font--weight--500)\">Call our team<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><a href=\"tel:+443330438527\"><strong>0333 043 8527<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-online\"><a href=\"https:\/\/www.simplybusiness.co.uk\/support\/\">Online<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Contact us on our website whenever suits you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-phone\"><a href=\"tel:+443330438527\">Phone<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Call our insurance experts during office hours (calls are charged at a local rate)<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-faqs\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/\">FAQs<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Find answers to common insurance questions<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-do-claims-work\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howdoclaimswork\">How do claims work?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly \u2013 and with a minimum of fuss. That\u2019s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or <a href=\"https:\/\/www.simplybusiness.co.uk\/insurance-claims\/\" data-type=\"page\" data-id=\"467\">claim online<\/a>. They\u2019ll do their best to be fair and supportive.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-cta has-azure-200-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--30)\">\n<h3 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-large-font-size\" id=\"pricesstartfrom556permonth\" style=\"padding-top:0;padding-bottom:0\"><strong>{{TRADE CLAIM MESSAGING}}<\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-7a371b99333eebf410dc973851e4fb81 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>{{TRADE CLAIM DISCLAIMER}}<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"exampleclaim\">Public liability claim example<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Having liability insurance through Simply Business has saved small business owners thousands of pounds when the unexpected happened.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<h4 class=\"wp-block-heading\" id=\"jamessavedmorethan15000\"><strong>Imran saved more than \u00a319,000<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Imran (not his real name) had been spraying some cladding, and accidentally coated a few cars parked nearby in a car dealership. His public liability insurance policy covered the claim raised by the dealership, as well as his legal costs. <\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-c12bb7756c39af340c2697a8f2571df9 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-amethyst-700-color has-text-color has-link-color wp-elements-22f03c4a6f80da12e88de45bac6b5119 wp-block-paragraph\"><strong>Insurance payout<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right has-amethyst-700-color has-text-color has-link-color wp-elements-c53cd10c3c949e0a7c05548d820eb102 wp-block-paragraph\">\u00a319,380<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Covering the cost of accidental damage<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-amethyst-700-color has-alpha-channel-opacity has-amethyst-700-background-color has-background\"\/>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f0342b05 wp-block-columns-is-layout-flex has-2-columns\" style=\"margin-top:0;margin-bottom:0\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-amethyst-700-color has-text-color has-link-color wp-elements-2f42c9fb9476abaf6f49d757ca0b59af wp-block-paragraph\"><strong>Imran\u2019s costs<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right has-amethyst-700-color has-text-color has-link-color wp-elements-32f0fa69fa18a0d21099ee0b6297ff0c wp-block-paragraph\">\u00a3100<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The excess amount stated in Imran\u2019s policy terms<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\" id=\"process\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-570ff715 wp-block-columns-is-layout-flex has-2-columns\" id=\"Process\" style=\"padding-top:var(--wp--preset--spacing--130);padding-bottom:var(--wp--preset--spacing--130)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" id=\"four-step-process\">\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-insurance-claims-process\">What is the insurance claims process?<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list is-style-stepper\">\n<li class=\"wp-block-list-item\"><strong>Contact us\u2028<br><\/strong>Please contact our Claims partner as soon as you can to report what&#8217;s happened, either <a href=\"https:\/\/intake.sedgwick.com\/u\/SimplyBusiness\/SBEnol\" rel=\"noopener noreferrer\" target=\"_blank\">online<\/a> or by phone on 0333 207 0560.<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Fill in the gaps<br><\/strong>A dedicated claims handler will work closely with you to understand the details of your claim.<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Review your claim<br><\/strong>Your <a href=\"https:\/\/www.simplybusiness.co.uk\/insurance-claims\/business-claims\/\">claim<\/a> will then be reviewed and you\u2019ll be contacted if more supporting documentation is needed. You can track the progress of your claim through the online claims portal.\u00a0<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Decision<br><\/strong>With all the details provided, your claim will be reviewed and a decision and any options will be given.<br><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-2ee3cf718fa44987e7b4dd16c8ef10f7 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xsmall-font-size wp-block-paragraph\"><em>These steps are an overview of the main stages of the claims process and do not reflect all the details of the claims process. <a href=\"https:\/\/www.simplybusiness.co.uk\/insurance-claims\/\">Visit our claims page<\/a> for more information.<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<hr style=\"border-bottom-width: 0px; border-top: none;\" class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--120);padding-bottom:var(--wp--preset--spacing--120)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-neutral-700-color has-text-color has-link-color has-xx-large-font-size wp-elements-e14f76137fe10a2b08dbfb960dce5899 wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--30);letter-spacing:0px;line-height:1.2\"><strong>Chosen by nearly one million small business and landlord customers<\/strong><\/p>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-5fb67d827c00dbcd7402c398052ea5ae wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">With insurance for over 1,500 trades, and 9\/10 customers rating us \u2018good\u2019 or \u2018excellent\u2019 on Feefo, you can get tailored quotes in 7 minutes. Compare quotes from leading insurers, buy, and manage your policy \u2013 all in one place.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-2256e7f1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-605425aa wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2.5rem; height: 2.5rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"33\" height=\"32\" fill=\"none\" viewBox=\"0 0 33 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.622 29.829H8.812l-2.055-8.93a1.41 1.41 0 0 1 .22-1.133 1.19 1.19 0 0 1 .96-.513h17.559c.388.008.748.2.96.513.232.332.312.742.22 1.134z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.723 29.829H31.71\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.716 25.985c1.105 0 2-.86 2-1.922s-.895-1.922-2-1.922-1.999.86-1.999 1.922.895 1.922 2 1.922Zm.001-14.415c3.036 0 5.498-2.366 5.498-5.285S19.753 1 16.717 1s-5.498 2.366-5.498 5.285 2.462 5.285 5.498 5.285\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M23.38 16.375c-1.688-1.835-4.115-2.886-6.663-2.886-2.55 0-4.976 1.05-6.664 2.886\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-27cc22f094adc40f27a74d011fdbe779\" id=\"h-compare-and-buy-in-minutes\" style=\"margin-bottom:0\">Compare and buy in minutes<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-1678a01e7803e76483b7200495ea0631 wp-block-paragraph\" style=\"margin-top:0\">Documents arrive today<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-6969d2fc wp-block-group-is-layout-flex\" style=\"padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"29\" fill=\"none\" viewBox=\"0 0 27 29\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m7.365 13.579 2.753 3.916a1.18 1.18 0 0 0 1.918.058l8.811-11.169\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M3.164 1.99c-.93 0-1.685.756-1.685 1.688v10.126c0 5.415 8.128 11.44 10.89 13.23.552.36 1.263.36 1.814 0 2.763-1.79 10.89-7.815 10.89-13.23V3.678a1.69 1.69 0 0 0-1.685-1.688z\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-118c8280014805ccb4ac91f06f5b1338\" id=\"h-rated-uk-sb-feefo-score\" style=\"margin-bottom:0\">Rated 4.5\/5<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-b38a3849b2977c4333453f8104a5603c wp-block-paragraph\" style=\"margin-top:0\">Based on 40k <a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" rel=\"noopener noreferrer\" target=\"_blank\">Feefo<\/a><a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" rel=\"noopener noreferrer\" target=\"_blank\"> reviews<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-horizontal is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-e5fbeb3a wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-302f6e57 wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29\" height=\"32\" fill=\"none\" viewBox=\"0 0 29 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.142 20.699a1.995 1.995 0 0 1-2.884 0l-5.367-5.6a4.04 4.04 0 0 1-.755-4.656v0a4.025 4.025 0 0 1 6.452-1.048l1.112 1.107 1.112-1.113a4.025 4.025 0 0 1 6.452 1.048v0a4.04 4.04 0 0 1-.755 4.655z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.718 5.232v10.151c0 4.964 2.17 11.733 11.548 15.35a4 4 0 0 0 2.868 0c9.375-3.61 11.547-10.428 11.547-15.35V5.232a1.98 1.98 0 0 0-1.155-1.816A28.9 28.9 0 0 0 14.7 1 28.9 28.9 0 0 0 2.874 3.416a1.98 1.98 0 0 0-1.156 1.816\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-11298f433c5c8a656f0286dbaea945fd\" id=\"h-here-to-help\" style=\"margin-bottom:0\">Here to help<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-e907ebeab2058a1716e249ffa2128461 wp-block-paragraph\" style=\"margin-top:0\">Help from UK-based experts<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-eba800c7 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"32\" fill=\"none\" viewBox=\"0 0 35 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M30.801 1h-26.1a1.07 1.07 0 0 0-1.046.839l-1.953 8.804a3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.209 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214l-1.955-8.804A1.07 1.07 0 0 0 30.8 1Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M11.331 31V20.286m0 0h1.07a3.21 3.21 0 0 1 3.21 3.214 3.21 3.21 0 0 1-3.21 3.214h-1.07\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M4.912 20.286a2.14 2.14 0 0 0-2.14 2.142v6.429a2.141 2.141 0 1 0 4.28 0v-6.429a2.14 2.14 0 0 0-2.14-2.142\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.17 31h-2.14c-1.181 0-2.14-.96-2.14-2.143v-6.429c0-1.183.959-2.142 2.14-2.142h2.14m-4.28 6.428h4.28M28.45 31V20.286L32.73 31V20.286\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-6dbac112d39cf9d89ecc0a895b22fac1\" id=\"h-24-7-claims\" style=\"margin-bottom:0\">24\/7 claims<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-9787d1adb445f0193cb88f694938936c wp-block-paragraph\" style=\"margin-top:0\">Make a claim any time<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"faqs\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"employersinsurancefaqs\">Liability insurance covers FAQs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is a key cover for most SME businesses \u2013&nbsp;our comprehensive FAQs answer some of the most popular questions about public liability insurance. You can also check out our <a data-type=\"page\" data-id=\"601\" href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/what-is-public-liability-insurance\/\">public liability insurance FAQs<\/a>.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-2&quot;,&quot;contentId&quot;:&quot;tenup-accordion-2-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-2-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-2-content\" aria-expanded=\"false\" id=\"tenup-accordion-2-header\" class=\"tenup-uikit-container-1 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat does public liability insurance cover?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-2-header\" id=\"tenup-accordion-2-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Public liability insurance covers your business against compensation claims and legal costs if a third party suffers injury or property damage while on your premises, or while you\u2019re working on their property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But when it comes to liability insurance, what is it that you&#8217;re covered for? Typically, public liability cover can protect you against:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">compensation payments for third party injury (or even death)<\/li>\n\n\n\n<li class=\"wp-block-list-item\">repair or replacement costs, for damaged property or possessions<\/li>\n\n\n\n<li class=\"wp-block-list-item\">medical fees, if the NHS decide to claim for hospital treatment, or an ambulance call out<\/li>\n\n\n\n<li class=\"wp-block-list-item\">legal expenses, while you\u2019re defending any of these claims <\/li>\n<\/ul>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-4&quot;,&quot;contentId&quot;:&quot;tenup-accordion-4-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-4-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-4-content\" aria-expanded=\"false\" id=\"tenup-accordion-4-header\" class=\"tenup-uikit-container-3 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDo I need public liability insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-4-header\" id=\"tenup-accordion-4-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Public liability insurance reassures your customers that you \u2013 and they \u2013 are properly protected in case things go wrong. While it isn\u2019t a legal obligation under UK law, your clients, industry regulator, or membership body may require you to have it. At Simply Business, we can provide public liability insurance for limited companies, and public liability insurance for individuals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Here\u2019s where public liability insurance can be useful:<\/strong> a furniture fitter needed to claim on his insurance while working on a house. A cabinet he had installed fell off the wall and knocked a fellow contractor off a step ladder, causing injury to the contractor\u2019s wrist and back. The claim was settled at \u00a325,235, but the furniture fitter only had to pay the \u00a3250 excess.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check out <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/what-is-public-liability-insurance\/\" data-type=\"page\" data-id=\"601\">more public liability claim examples<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/do-i-need-public-liability-insurance\/\" data-type=\"page\" data-id=\"577\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-6&quot;,&quot;contentId&quot;:&quot;tenup-accordion-6-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-6-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-6-content\" aria-expanded=\"false\" id=\"tenup-accordion-6-header\" class=\"tenup-uikit-container-5 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tHow much public liability insurance do I need?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-6-header\" id=\"tenup-accordion-6-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Simply Business offers a minimum level of \u00a31 million public liability insurance. Depending on the nature of your business and client demands, you may need a higher level of cover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s a good idea to check your policy when you take on each new job or contract. For example, companies working on government contracts are usually required to be covered for a minimum of \u00a35 million or even \u00a310 million in public liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/how-much-public-liability-insurance-do-i-need\/\" data-type=\"page\" data-id=\"584\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-8&quot;,&quot;contentId&quot;:&quot;tenup-accordion-8-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-8-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-8-content\" aria-expanded=\"false\" id=\"tenup-accordion-8-header\" class=\"tenup-uikit-container-7 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tHow do I get public liability insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-8-header\" id=\"tenup-accordion-8-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Getting public liability insurance for your business is easy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">First, you&#8217;ll need to get a quote from us. Just answer a few questions about your business, and we&#8217;ll present you with a selection of insurers who offer the kind of insurance you&#8217;re looking for.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you&#8217;ve settled on the cover that&#8217;s right for you, you&#8217;ll be able to buy your insurance online in a matter of minutes. Or if you&#8217;d prefer, you can speak to someone in our contact centre who&#8217;ll walk you through the process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you&#8217;ve bought your insurance, you&#8217;ll be covered straight away and we&#8217;ll email your policy documents over on the same day.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-10&quot;,&quot;contentId&quot;:&quot;tenup-accordion-10-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-10-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-10-content\" aria-expanded=\"false\" id=\"tenup-accordion-10-header\" class=\"tenup-uikit-container-9 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhen do you need public liability insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-10-header\" id=\"tenup-accordion-10-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">If you deal with the public on a regular basis, you should seriously consider public liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Public liability insurance protects you if a member of the public sues you for injury or damage. While it&#8217;s not required by law, it can protect you from crippling compensation costs. It&#8217;s a popular choice of cover with <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/tradesman-insurance\/\" data-type=\"page\" data-id=\"772\">tradespeople<\/a>, <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/hairdressing-insurance\/\" data-type=\"page\" data-id=\"624\">hairdressers<\/a>, <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/restaurant-insurance\/\" data-type=\"page\" data-id=\"745\">restaurant owners<\/a> and <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/shop-insurance\/\" data-type=\"page\" data-id=\"752\">shopkeepers<\/a>.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-12&quot;,&quot;contentId&quot;:&quot;tenup-accordion-12-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-12-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-12-content\" aria-expanded=\"false\" id=\"tenup-accordion-12-header\" class=\"tenup-uikit-container-11 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tHow much does public liability insurance cost uk?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-12-header\" id=\"tenup-accordion-12-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">This depends on a number of factors, like the type of business you run and the level of cover you choose. It&#8217;s easy to find out how much it might cost \u2013 just enter a few details about your business, and we&#8217;ll show you a selection of online business insurance quotes. Usually, businesses who insurers see as risky will pay more for their public liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There is no standard, average price for public liability insurance. As mentioned, the actual cost will depend on several factors, such as the nature of your business and trade type, your claims history and the level of cover you need depending on your circumstances.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The easiest way to find a price for your public liability insurance is to <a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">run a quick online quote<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As with most types of insurance, insurers will calculate the price of your public liability insurance (your premium) based on several things, including the type of business you run and the level of cover you select.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurers are predicting how likely you are to make a claim and how much a claim could cost. In practice, this usually means that businesses that are more likely to face steep compensation claims will pay more for their public liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you\u2019re buying cover for your business it\u2019s really important that you answer all questions accurately and that you buy enough cover, ensuring you\u2019re fully protected if you come to make a claim.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-14&quot;,&quot;contentId&quot;:&quot;tenup-accordion-14-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-14-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-14-content\" aria-expanded=\"false\" id=\"tenup-accordion-14-header\" class=\"tenup-uikit-container-13 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tIs public liability insurance required by law?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-14-header\" id=\"tenup-accordion-14-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">If you have staff, it&#8217;s likely that getting employers&#8217; liability insurance is a legal requirement. But while public liability insurance isn&#8217;t required by law in the UK, it&#8217;s worth considering and is an important cover for many businesses. It protects against claims and legal action for injury and property damage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/is-public-liability-insurance-compulsory-by-law\/\" data-type=\"page\" data-id=\"589\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-16&quot;,&quot;contentId&quot;:&quot;tenup-accordion-16-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-16-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-16-content\" aria-expanded=\"false\" id=\"tenup-accordion-16-header\" class=\"tenup-uikit-container-15 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tIs public liability insurance tax deductible?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-16-header\" id=\"tenup-accordion-16-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Businesses can deduct costs when calculating taxable profit. These are known as &#8216;allowable expenses&#8217; \u2013&nbsp;and business insurance is an allowable expense. Make sure you keep records of income and expenses, including receipts and invoices, for HMRC. This also means keeping your policy documents safe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/is-public-liability-insurance-tax-deductible\/\" data-type=\"page\" data-id=\"590\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-18&quot;,&quot;contentId&quot;:&quot;tenup-accordion-18-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-18-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-18-content\" aria-expanded=\"false\" id=\"tenup-accordion-18-header\" class=\"tenup-uikit-container-17 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDoes public liability insurance cover my business for the actions of my employees?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-18-header\" id=\"tenup-accordion-18-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">This will depend on whether you have <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/employers-liability-insurance\/\" data-type=\"page\" data-id=\"370\">employers&#8217; liability insurance<\/a> in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers\u2019 liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>If you employ people, you\u2019re required by law to have employers\u2019 liability insurance.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s one exception here. Family businesses that aren\u2019t incorporated as a limited company are not legally required to have employers\u2019 liability insurance. The government defines a \u201cfamily business\u201d as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers\u2019 liability insurance, it\u2019s important to know that your public liability insurance wouldn\u2019t cover you against damage or injury caused by your team.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-20&quot;,&quot;contentId&quot;:&quot;tenup-accordion-20-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-20-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-20-content\" aria-expanded=\"false\" id=\"tenup-accordion-20-header\" class=\"tenup-uikit-container-19 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat\u2019s the difference between public liability and employers\u2019 liability insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-20-header\" id=\"tenup-accordion-20-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">These two covers have similar names but there are important differences. Public liability insurance protects against claims from members of the public, who are injured or suffer a loss and blame your business. Employers&#8217; liability insurance protects against claims from employees, who are injured or get ill as a result of working for you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/difference-between-public-liability-and-employers-liability\/\" data-type=\"page\" data-id=\"575\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-22&quot;,&quot;contentId&quot;:&quot;tenup-accordion-22-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-22-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-22-content\" aria-expanded=\"false\" id=\"tenup-accordion-22-header\" class=\"tenup-uikit-container-21 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDo I get a public liability insurance certificate?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-22-header\" id=\"tenup-accordion-22-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Insurers generally don\u2019t give out certificates because public liability isn\u2019t a legal requirement. This is different to employers\u2019 liability, which is a legal requirement and is certified. <\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-24&quot;,&quot;contentId&quot;:&quot;tenup-accordion-24-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-24-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-24-content\" aria-expanded=\"false\" id=\"tenup-accordion-24-header\" class=\"tenup-uikit-container-23 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat\u2019s the difference between public and product liability insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-24-header\" id=\"tenup-accordion-24-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Public liability insurance can protect you and your business if a member of the public suffers an injury or another loss because of your business. If you sell, create, manufacture, or distribute a product, then it&#8217;s worth considering product liability insurance too, as it can provide further protection for you and your business.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-26&quot;,&quot;contentId&quot;:&quot;tenup-accordion-26-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-26-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-26-content\" aria-expanded=\"false\" id=\"tenup-accordion-26-header\" class=\"tenup-uikit-container-25 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tHow much is public liability insurance for self-employed people in the UK?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-26-header\" id=\"tenup-accordion-26-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">The cost of public liability insurance depends on the size of your business, the industry you work in, and the risks associated with your work. You can choose whether you want to pay for the whole year up front, or pay monthly.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-e38ea13205ba8db4d8b3cfc74a6b9239 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. <a href=\"\/terms-conditions\/\">Read our full Terms and Conditions<\/a><\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group wp-block-group--author-bio has-azure-200-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80);padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-co-authors-plus-coauthors is-layout-flow wp-block-co-authors-plus-coauthors-is-layout-flow\"><div class=\"wp-block-co-authors-plus-coauthor\"><div class=\"wp-block-group is-reduced-gap is-nowrap is-layout-flex wp-container-core-group-is-layout-0ebbc8f5 wp-block-group-is-layout-flex wp-block-null\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-right:0;padding-left:0\"><div class=\"wp-block-co-authors-plus-avatar\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=38\" width=\"48\" height=\"48\" sizes=\"auto, 48px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=19 24w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=38 48w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=77 96w\" style=\"border-radius:100px;\"\/><\/div><div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><p class=\"has-azure-800-color has-text-color has-link-color has-xxs-font-size wp-elements-de426fab6e76d6ad2546f65b5fa7f93b wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--10);margin-bottom:0;font-style:normal;font-weight:700;line-height:1.2\">Reviewed by<\/p><p style=\"font-style:normal;font-weight:700;line-height:1.2;\" class=\"wp-elements-5ae0374f373cf4f908ba1fe736fa2376 wp-block-co-authors-plus-name has-text-color has-slate-blue-color has-medium-font-size\">Greg Caswell-Smith<\/p><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"helpful-articles\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignwide post-list-picker has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"h-helpful-articles-for-smes\">Helpful articles for SMEs<\/h3>\n\n\n\n<div class=\"wp-block-columns alignfull is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-4-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1444 knowledge type-knowledge status-publish has-post-thumbnail hentry category-starting-out is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"571\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Two women in a shop, the employee hands a bag to the customer after a purchase\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png 1500w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png?resize=800,446 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png?resize=768,429 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png?resize=1024,571 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png?resize=150,84 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/how-to-start-a-business\/\" target=\"_self\" >How to start a business in 9 steps<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-24127 knowledge type-knowledge status-publish has-post-thumbnail hentry category-starting-out is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"503\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png 1631w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?resize=800,393 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?resize=768,377 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?resize=1024,503 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?resize=1536,754 1536w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?resize=150,74 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/small-business-ideas\/\" target=\"_self\" >Small business ideas \u2013 best businesses to start yourself<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1525 knowledge type-knowledge status-publish has-post-thumbnail hentry category-funding is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Man working at a laptop\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg 7360w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=800,534 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=768,513 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=1024,683 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=1536,1025 1536w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=2048,1367 2048w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=150,100 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/funding\/small-business-grants\/\" target=\"_self\" >Small business grants: everything you need to know<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1532 knowledge type-knowledge status-publish has-post-thumbnail hentry category-business-structure category-starting-out is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"458\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/sole-trader-vs-limited-company.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Small business owner on phone taking sales orders and checking inventory.\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/sole-trader-vs-limited-company.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/sole-trader-vs-limited-company.jpg?resize=800,450 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/sole-trader-vs-limited-company.jpg?resize=768,432 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/sole-trader-vs-limited-company.jpg?resize=150,84 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/sole-trader-vs-limited-company\/\" target=\"_self\" >Sole trader vs limited company \u2013 what&#8217;s the difference?<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div id=\"newsletter-subscribe\" class=\"wp-block-group newsletter-subscribe is-layout-flow wp-block-group-is-layout-flow wp-block-block\" style=\"border-top-color:#cccccc;border-top-width:1px;padding-top:var(--wp--preset--spacing--80);padding-right:0;padding-bottom:var(--wp--preset--spacing--80);padding-left:0\">\n<p class=\"has-text-align-center has-dark-800-color has-text-color has-link-color has-medium-font-size wp-elements-ced002c3d2e03fde51d8880b5da0f3bb wp-block-paragraph\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">A free monthly newsletter with the latest news and tools for small businesses and landlords.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-222c5d1d wp-block-buttons-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-outline has-size-medium is-style-outline--27\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.simplybusiness.co.uk\/about-us\/newsletter-signup\/\">Subscribe to our newsletter<\/a><\/div>\n<\/div>\n\n\n\n<ul class=\"wp-block-social-links has-small-icon-size is-style-logos-only is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-facebook  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on Facebook<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-x  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.x.com\/simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M13.982 10.622 20.54 3h-1.554l-5.693 6.618L8.745 3H3.5l6.876 10.007L3.5 21h1.554l6.012-6.989L15.868 21h5.245l-7.131-10.378Zm-2.128 2.474-.697-.997-5.543-7.93H8l4.474 6.4.697.996 5.815 8.318h-2.387l-4.745-6.787Z\" \/><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on X<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-youtube  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.youtube.com\/user\/simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Subscribe to Simply Business Videos on Youtube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/company\/simply-business_39914\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on LinkedIn<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.instagram.com\/simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,4.622c2.403,0,2.688,0.009,3.637,0.052c0.877,0.04,1.354,0.187,1.671,0.31c0.42,0.163,0.72,0.358,1.035,0.673 c0.315,0.315,0.51,0.615,0.673,1.035c0.123,0.317,0.27,0.794,0.31,1.671c0.043,0.949,0.052,1.234,0.052,3.637 s-0.009,2.688-0.052,3.637c-0.04,0.877-0.187,1.354-0.31,1.671c-0.163,0.42-0.358,0.72-0.673,1.035 c-0.315,0.315-0.615,0.51-1.035,0.673c-0.317,0.123-0.794,0.27-1.671,0.31c-0.949,0.043-1.233,0.052-3.637,0.052 s-2.688-0.009-3.637-0.052c-0.877-0.04-1.354-0.187-1.671-0.31c-0.42-0.163-0.72-0.358-1.035-0.673 c-0.315-0.315-0.51-0.615-0.673-1.035c-0.123-0.317-0.27-0.794-0.31-1.671C4.631,14.688,4.622,14.403,4.622,12 s0.009-2.688,0.052-3.637c0.04-0.877,0.187-1.354,0.31-1.671c0.163-0.42,0.358-0.72,0.673-1.035 c0.315-0.315,0.615-0.51,1.035-0.673c0.317-0.123,0.794-0.27,1.671-0.31C9.312,4.631,9.597,4.622,12,4.622 M12,3 C9.556,3,9.249,3.01,8.289,3.054C7.331,3.098,6.677,3.25,6.105,3.472C5.513,3.702,5.011,4.01,4.511,4.511 c-0.5,0.5-0.808,1.002-1.038,1.594C3.25,6.677,3.098,7.331,3.054,8.289C3.01,9.249,3,9.556,3,12c0,2.444,0.01,2.751,0.054,3.711 c0.044,0.958,0.196,1.612,0.418,2.185c0.23,0.592,0.538,1.094,1.038,1.594c0.5,0.5,1.002,0.808,1.594,1.038 c0.572,0.222,1.227,0.375,2.185,0.418C9.249,20.99,9.556,21,12,21s2.751-0.01,3.711-0.054c0.958-0.044,1.612-0.196,2.185-0.418 c0.592-0.23,1.094-0.538,1.594-1.038c0.5-0.5,0.808-1.002,1.038-1.594c0.222-0.572,0.375-1.227,0.418-2.185 C20.99,14.751,21,14.444,21,12s-0.01-2.751-0.054-3.711c-0.044-0.958-0.196-1.612-0.418-2.185c-0.23-0.592-0.538-1.094-1.038-1.594 c-0.5-0.5-1.002-0.808-1.594-1.038c-0.572-0.222-1.227-0.375-2.185-0.418C14.751,3.01,14.444,3,12,3L12,3z M12,7.378 c-2.552,0-4.622,2.069-4.622,4.622S9.448,16.622,12,16.622s4.622-2.069,4.622-4.622S14.552,7.378,12,7.378z M12,15 c-1.657,0-3-1.343-3-3s1.343-3,3-3s3,1.343,3,3S13.657,15,12,15z M16.804,6.116c-0.596,0-1.08,0.484-1.08,1.08 s0.484,1.08,1.08,1.08c0.596,0,1.08-0.484,1.08-1.08S17.401,6.116,16.804,6.116z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on Instagram<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-tiktok  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/@simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 32 32\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M16.708 0.027c1.745-0.027 3.48-0.011 5.213-0.027 0.105 2.041 0.839 4.12 2.333 5.563 1.491 1.479 3.6 2.156 5.652 2.385v5.369c-1.923-0.063-3.855-0.463-5.6-1.291-0.76-0.344-1.468-0.787-2.161-1.24-0.009 3.896 0.016 7.787-0.025 11.667-0.104 1.864-0.719 3.719-1.803 5.255-1.744 2.557-4.771 4.224-7.88 4.276-1.907 0.109-3.812-0.411-5.437-1.369-2.693-1.588-4.588-4.495-4.864-7.615-0.032-0.667-0.043-1.333-0.016-1.984 0.24-2.537 1.495-4.964 3.443-6.615 2.208-1.923 5.301-2.839 8.197-2.297 0.027 1.975-0.052 3.948-0.052 5.923-1.323-0.428-2.869-0.308-4.025 0.495-0.844 0.547-1.485 1.385-1.819 2.333-0.276 0.676-0.197 1.427-0.181 2.145 0.317 2.188 2.421 4.027 4.667 3.828 1.489-0.016 2.916-0.88 3.692-2.145 0.251-0.443 0.532-0.896 0.547-1.417 0.131-2.385 0.079-4.76 0.095-7.145 0.011-5.375-0.016-10.735 0.025-16.093z\" \/><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on TikTok<\/span><\/a><\/li><\/ul>\n<\/div>\n\n\n<script class=\"wp-block-block\" type=\"text\/javascript\" src=\"https:\/\/api.feefo.com\/api\/javascript\/simply-business\" defer><\/script>\n<div id=\"feefo-service-review-widgetId\" class=\"feefo-review-widget-service\"><\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Public liability insurance quotes from trusted insurers. Join nearly a million customers small businesses, covering compensation, legal fees and more.<\/p>\n","protected":false},"author":6,"featured_media":24481,"parent":5152,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"sb_hreflang":"en-us","sb_hreflang_url":"https:\/\/www.simplybusiness.com\/business-insurance\/general-liability-insurance\/","disable_breadcrumbs":false,"sb_breadcrumbs":[{"text":"Business insurance","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/"},{"text":"Our range of covers","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/types-of-insurance-covers\/"},{"text":"Public liability insurance","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/"}],"sb_faq_schema":"","sb_phone":"","sb_header_url_text":"","sb_secondary_logo":0,"sb_secondary_logo_url":"","sb_show_primary_cta":true,"sb_primary_cta_text":"","sb_primary_cta_url":"","sb_show_secondary_cta":true,"sb_secondary_cta_text":"","sb_secondary_cta_url":"","sb_show_contact_cta":true,"sb_contact_cta_id":"nav_contact_cta","sb_primary_cta_id":"nav_primary_cta","sb_secondary_cta_id":"nav_secondary_cta","sb_no_sticky_header":false,"sb_show_last_updated_date":"","sb_enable_replacement_text":false,"sb_replacement_h1":"","_sb_hreflang_stale":false,"footnotes":""},"hidden-category":[],"import-page-type":[],"coauthors":[458],"class_list":["post-734","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>{{SEO PAGE TITLE}}<\/title>\n<meta name=\"description\" content=\"{{SEO PAGE DESCRIPTION}}\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Public Liability Insurance from \u00a35.76 per month - Simply Business UK\" \/>\n<meta property=\"og:description\" content=\"Public liability insurance quotes from trusted insurers. Join nearly a million customers small businesses, covering compensation, legal fees and more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Simply Business UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/simplybusiness\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-08T10:22:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/public_liability.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Public liability insurance\" \/>\n<meta name=\"twitter:site\" content=\"@simplybusiness\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"12 minutes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data2\" content=\"Greg Caswell-Smith\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/\",\"name\":\"{{SEO PAGE TITLE}}\",\"isPartOf\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png\",\"datePublished\":\"2024-04-24T16:24:58+00:00\",\"dateModified\":\"2026-05-08T10:22:59+00:00\",\"description\":\"{{SEO PAGE DESCRIPTION}}\",\"breadcrumb\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#primaryimage\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png\",\"contentUrl\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png\",\"width\":1200,\"height\":630,\"caption\":\"Woman in a sequin dress standing next to a female baker\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.simplybusiness.co.uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Business Insurance\",\"item\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Public liability insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/#website\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/\",\"name\":\"Simply Business UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.simplybusiness.co.uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@context\":\"http:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What does public liability insurance cover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Public liability insurance covers your business against compensation claims and legal costs if a third party suffers injury or property damage while on your premises, or while you\u2019re working on their property.    But when it comes to liability insurance, what is it that you're covered for? Typically, public liability cover can protect you against:     compensation payments for third party injury (or even death)    repair or replacement costs, for damaged property or possessions    medical fees, if the NHS decide to claim for hospital treatment, or an ambulance call out    legal expenses, while you\u2019re defending any of these claims\"}},{\"@type\":\"Question\",\"name\":\"Do I need public liability insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Public liability insurance reassures your customers that you \u2013 and they \u2013 are properly protected in case things go wrong. While it isn\u2019t a legal obligation under UK law, your clients, industry regulator, or membership body may require you to have it. At Simply Business, we can provide public liability insurance for limited companies, and public liability insurance for individuals.    Here\u2019s where public liability insurance can be useful: a furniture fitter needed to claim on his insurance while working on a house. A cabinet he had installed fell off the wall and knocked a fellow contractor off a step ladder, causing injury to the contractor\u2019s wrist and back. The claim was settled at \u00a325,235, but the furniture fitter only had to pay the \u00a3250 excess.    Check out more public liability claim examples.    Read more\"}},{\"@type\":\"Question\",\"name\":\"How much public liability insurance do I need?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Simply Business offers a minimum level of \u00a31 million public liability insurance. Depending on the nature of your business and client demands, you may need a higher level of cover.    It\u2019s a good idea to check your policy when you take on each new job or contract. For example, companies working on government contracts are usually required to be covered for a minimum of \u00a35 million or even \u00a310 million in public liability insurance.    Read more\"}},{\"@type\":\"Question\",\"name\":\"How do I get public liability insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Getting public liability insurance for your business is easy.    First, you'll need to get a quote from us. Just answer a few questions about your business, and we'll present you with a selection of insurers who offer the kind of insurance you're looking for.    Once you've settled on the cover that's right for you, you'll be able to buy your insurance online in a matter of minutes. Or if you'd prefer, you can speak to someone in our contact centre who'll walk you through the process.    Once you've bought your insurance, you'll be covered straight away and we'll email your policy documents over on the same day.\"}},{\"@type\":\"Question\",\"name\":\"When do you need public liability insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you deal with the public on a regular basis, you should seriously consider public liability insurance.    Public liability insurance protects you if a member of the public sues you for injury or damage. While it's not required by law, it can protect you from crippling compensation costs. It's a popular choice of cover with tradespeople, hairdressers, restaurant owners and shopkeepers.\"}},{\"@type\":\"Question\",\"name\":\"How much does public liability insurance cost uk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This depends on a number of factors, like the type of business you run and the level of cover you choose. It's easy to find out how much it might cost \u2013 just enter a few details about your business, and we'll show you a selection of online business insurance quotes. Usually, businesses who insurers see as risky will pay more for their public liability insurance.    There is no standard, average price for public liability insurance. As mentioned, the actual cost will depend on several factors, such as the nature of your business and trade type, your claims history and the level of cover you need depending on your circumstances.    The easiest way to find a price for your public liability insurance is to run a quick online quote.    As with most types of insurance, insurers will calculate the price of your public liability insurance (your premium) based on several things, including the type of business you run and the level of cover you select.    Insurers are predicting how likely you are to make a claim and how much a claim could cost. In practice, this usually means that businesses that are more likely to face steep compensation claims will pay more for their public liability insurance.    When you\u2019re buying cover for your business it\u2019s really important that you answer all questions accurately and that you buy enough cover, ensuring you\u2019re fully protected if you come to make a claim.\"}},{\"@type\":\"Question\",\"name\":\"Is public liability insurance required by law?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you have staff, it's likely that getting employers' liability insurance is a legal requirement. But while public liability insurance isn't required by law in the UK, it's worth considering and is an important cover for many businesses. It protects against claims and legal action for injury and property damage.    Read more\"}},{\"@type\":\"Question\",\"name\":\"Is public liability insurance tax deductible?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Businesses can deduct costs when calculating taxable profit. These are known as 'allowable expenses' \u2013&nbsp;and business insurance is an allowable expense. Make sure you keep records of income and expenses, including receipts and invoices, for HMRC. This also means keeping your policy documents safe.    Read more\"}},{\"@type\":\"Question\",\"name\":\"Does public liability insurance cover my business for the actions of my employees?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This will depend on whether you have employers' liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers\u2019 liability insurance.    If you employ people, you\u2019re required by law to have employers\u2019 liability insurance.    There\u2019s one exception here. Family businesses that aren\u2019t incorporated as a limited company are not legally required to have employers\u2019 liability insurance. The government defines a \u201cfamily business\u201d as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers\u2019 liability insurance, it\u2019s important to know that your public liability insurance wouldn\u2019t cover you against damage or injury caused by your team.\"}},{\"@type\":\"Question\",\"name\":\"What\u2019s the difference between public liability and employers\u2019 liability insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"These two covers have similar names but there are important differences. Public liability insurance protects against claims from members of the public, who are injured or suffer a loss and blame your business. Employers' liability insurance protects against claims from employees, who are injured or get ill as a result of working for you.    Read more\"}},{\"@type\":\"Question\",\"name\":\"Do I get a public liability insurance certificate?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Insurers generally don\u2019t give out certificates because public liability isn\u2019t a legal requirement. This is different to employers\u2019 liability, which is a legal requirement and is certified.\"}},{\"@type\":\"Question\",\"name\":\"What\u2019s the difference between public and product liability insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Public liability insurance can protect you and your business if a member of the public suffers an injury or another loss because of your business. If you sell, create, manufacture, or distribute a product, then it's worth considering product liability insurance too, as it can provide further protection for you and your business.\"}},{\"@type\":\"Question\",\"name\":\"How much is public liability insurance for self-employed people in the UK?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The cost of public liability insurance depends on the size of your business, the industry you work in, and the risks associated with your work. You can choose whether you want to pay for the whole year up front, or pay monthly.\"}}]},{\"@type\":\"PostalAddress\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#local-main-place-address\",\"streetAddress\":\"Hylo, 105 Bunhill Row\",\"addressLocality\":\"London\",\"postalCode\":\"EC1Y 8LZ\",\"addressCountry\":\"GB\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#local-main-organization-logo\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/logo.png\",\"contentUrl\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/logo.png\",\"width\":533,\"height\":187,\"caption\":\"Simply Business UK\"}]}<\/script>\n<meta name=\"geo.placename\" content=\"London\" \/>\n<meta name=\"geo.region\" content=\"United Kingdom (UK)\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"{{SEO PAGE TITLE}}","description":"{{SEO PAGE DESCRIPTION}}","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/","og_locale":"en_GB","og_type":"article","og_title":"Public Liability Insurance from \u00a35.76 per month - Simply Business UK","og_description":"Public liability insurance quotes from trusted insurers. Join nearly a million customers small businesses, covering compensation, legal fees and more.","og_url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/","og_site_name":"Simply Business UK","article_publisher":"https:\/\/www.facebook.com\/simplybusiness","article_modified_time":"2026-05-08T10:22:59+00:00","og_image":[{"url":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/public_liability.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_title":"Public liability insurance","twitter_site":"@simplybusiness","twitter_misc":{"Est. reading time":"12 minutes","Written by":"Greg Caswell-Smith"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/","name":"{{SEO PAGE TITLE}}","isPartOf":{"@id":"https:\/\/www.simplybusiness.co.uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#primaryimage"},"image":{"@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png","datePublished":"2024-04-24T16:24:58+00:00","dateModified":"2026-05-08T10:22:59+00:00","description":"{{SEO PAGE DESCRIPTION}}","breadcrumb":{"@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#primaryimage","url":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png","contentUrl":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png","width":1200,"height":630,"caption":"Woman in a sequin dress standing next to a female baker"},{"@type":"BreadcrumbList","@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.simplybusiness.co.uk\/"},{"@type":"ListItem","position":2,"name":"Business Insurance","item":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/"},{"@type":"ListItem","position":3,"name":"Public liability insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.simplybusiness.co.uk\/#website","url":"https:\/\/www.simplybusiness.co.uk\/","name":"Simply Business UK","description":"","publisher":{"@id":"https:\/\/www.simplybusiness.co.uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.simplybusiness.co.uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@context":"http:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What does public liability insurance cover?","acceptedAnswer":{"@type":"Answer","text":"Public liability insurance covers your business against compensation claims and legal costs if a third party suffers injury or property damage while on your premises, or while you\u2019re working on their property.    But when it comes to liability insurance, what is it that you're covered for? Typically, public liability cover can protect you against:     compensation payments for third party injury (or even death)    repair or replacement costs, for damaged property or possessions    medical fees, if the NHS decide to claim for hospital treatment, or an ambulance call out    legal expenses, while you\u2019re defending any of these claims"}},{"@type":"Question","name":"Do I need public liability insurance?","acceptedAnswer":{"@type":"Answer","text":"Public liability insurance reassures your customers that you \u2013 and they \u2013 are properly protected in case things go wrong. While it isn\u2019t a legal obligation under UK law, your clients, industry regulator, or membership body may require you to have it. At Simply Business, we can provide public liability insurance for limited companies, and public liability insurance for individuals.    Here\u2019s where public liability insurance can be useful: a furniture fitter needed to claim on his insurance while working on a house. A cabinet he had installed fell off the wall and knocked a fellow contractor off a step ladder, causing injury to the contractor\u2019s wrist and back. The claim was settled at \u00a325,235, but the furniture fitter only had to pay the \u00a3250 excess.    Check out more public liability claim examples.    Read more"}},{"@type":"Question","name":"How much public liability insurance do I need?","acceptedAnswer":{"@type":"Answer","text":"Simply Business offers a minimum level of \u00a31 million public liability insurance. Depending on the nature of your business and client demands, you may need a higher level of cover.    It\u2019s a good idea to check your policy when you take on each new job or contract. For example, companies working on government contracts are usually required to be covered for a minimum of \u00a35 million or even \u00a310 million in public liability insurance.    Read more"}},{"@type":"Question","name":"How do I get public liability insurance?","acceptedAnswer":{"@type":"Answer","text":"Getting public liability insurance for your business is easy.    First, you'll need to get a quote from us. Just answer a few questions about your business, and we'll present you with a selection of insurers who offer the kind of insurance you're looking for.    Once you've settled on the cover that's right for you, you'll be able to buy your insurance online in a matter of minutes. Or if you'd prefer, you can speak to someone in our contact centre who'll walk you through the process.    Once you've bought your insurance, you'll be covered straight away and we'll email your policy documents over on the same day."}},{"@type":"Question","name":"When do you need public liability insurance?","acceptedAnswer":{"@type":"Answer","text":"If you deal with the public on a regular basis, you should seriously consider public liability insurance.    Public liability insurance protects you if a member of the public sues you for injury or damage. While it's not required by law, it can protect you from crippling compensation costs. It's a popular choice of cover with tradespeople, hairdressers, restaurant owners and shopkeepers."}},{"@type":"Question","name":"How much does public liability insurance cost uk?","acceptedAnswer":{"@type":"Answer","text":"This depends on a number of factors, like the type of business you run and the level of cover you choose. It's easy to find out how much it might cost \u2013 just enter a few details about your business, and we'll show you a selection of online business insurance quotes. Usually, businesses who insurers see as risky will pay more for their public liability insurance.    There is no standard, average price for public liability insurance. As mentioned, the actual cost will depend on several factors, such as the nature of your business and trade type, your claims history and the level of cover you need depending on your circumstances.    The easiest way to find a price for your public liability insurance is to run a quick online quote.    As with most types of insurance, insurers will calculate the price of your public liability insurance (your premium) based on several things, including the type of business you run and the level of cover you select.    Insurers are predicting how likely you are to make a claim and how much a claim could cost. In practice, this usually means that businesses that are more likely to face steep compensation claims will pay more for their public liability insurance.    When you\u2019re buying cover for your business it\u2019s really important that you answer all questions accurately and that you buy enough cover, ensuring you\u2019re fully protected if you come to make a claim."}},{"@type":"Question","name":"Is public liability insurance required by law?","acceptedAnswer":{"@type":"Answer","text":"If you have staff, it's likely that getting employers' liability insurance is a legal requirement. But while public liability insurance isn't required by law in the UK, it's worth considering and is an important cover for many businesses. It protects against claims and legal action for injury and property damage.    Read more"}},{"@type":"Question","name":"Is public liability insurance tax deductible?","acceptedAnswer":{"@type":"Answer","text":"Businesses can deduct costs when calculating taxable profit. These are known as 'allowable expenses' \u2013&nbsp;and business insurance is an allowable expense. Make sure you keep records of income and expenses, including receipts and invoices, for HMRC. This also means keeping your policy documents safe.    Read more"}},{"@type":"Question","name":"Does public liability insurance cover my business for the actions of my employees?","acceptedAnswer":{"@type":"Answer","text":"This will depend on whether you have employers' liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers\u2019 liability insurance.    If you employ people, you\u2019re required by law to have employers\u2019 liability insurance.    There\u2019s one exception here. Family businesses that aren\u2019t incorporated as a limited company are not legally required to have employers\u2019 liability insurance. The government defines a \u201cfamily business\u201d as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers\u2019 liability insurance, it\u2019s important to know that your public liability insurance wouldn\u2019t cover you against damage or injury caused by your team."}},{"@type":"Question","name":"What\u2019s the difference between public liability and employers\u2019 liability insurance?","acceptedAnswer":{"@type":"Answer","text":"These two covers have similar names but there are important differences. Public liability insurance protects against claims from members of the public, who are injured or suffer a loss and blame your business. Employers' liability insurance protects against claims from employees, who are injured or get ill as a result of working for you.    Read more"}},{"@type":"Question","name":"Do I get a public liability insurance certificate?","acceptedAnswer":{"@type":"Answer","text":"Insurers generally don\u2019t give out certificates because public liability isn\u2019t a legal requirement. This is different to employers\u2019 liability, which is a legal requirement and is certified."}},{"@type":"Question","name":"What\u2019s the difference between public and product liability insurance?","acceptedAnswer":{"@type":"Answer","text":"Public liability insurance can protect you and your business if a member of the public suffers an injury or another loss because of your business. If you sell, create, manufacture, or distribute a product, then it's worth considering product liability insurance too, as it can provide further protection for you and your business."}},{"@type":"Question","name":"How much is public liability insurance for self-employed people in the UK?","acceptedAnswer":{"@type":"Answer","text":"The cost of public liability insurance depends on the size of your business, the industry you work in, and the risks associated with your work. You can choose whether you want to pay for the whole year up front, or pay monthly."}}]},{"@type":"PostalAddress","@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#local-main-place-address","streetAddress":"Hylo, 105 Bunhill Row","addressLocality":"London","postalCode":"EC1Y 8LZ","addressCountry":"GB"},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/#local-main-organization-logo","url":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/logo.png","contentUrl":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/logo.png","width":533,"height":187,"caption":"Simply Business UK"}]},"geo.placename":"London","geo.region":"United Kingdom (UK)"},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"WebPage","headline":"Public liability insurance","url":"http:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.simplybusiness.co.uk\/business-insurance\/public-liability-insurance\/"},"thumbnailUrl":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png?w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/SB-UKTVTheBest_CoreLP_PL.png"},"articleSection":"General business","author":[{"@type":"Person","name":"Greg Caswell-Smith"}],"creator":["Greg Caswell-Smith"],"publisher":{"@type":"Organization","name":"Simply Business UK","logo":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/04\/icon-512x512-1.png"},"keywords":[],"dateCreated":"2024-04-24T16:24:58Z","datePublished":"2024-04-24T16:24:58Z","dateModified":"2026-05-08T10:22:59Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"WebPage\",\"headline\":\"Public liability insurance\",\"url\":\"http:\\\/\\\/www.simplybusiness.co.uk\\\/business-insurance\\\/public-liability-insurance\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.simplybusiness.co.uk\\\/business-insurance\\\/public-liability-insurance\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.simplybusiness.co.uk\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2024\\\/08\\\/SB-UKTVTheBest_CoreLP_PL.png?w=150&h=150&crop=1\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.simplybusiness.co.uk\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2024\\\/08\\\/SB-UKTVTheBest_CoreLP_PL.png\"},\"articleSection\":\"General business\",\"author\":[{\"@type\":\"Person\",\"name\":\"Greg Caswell-Smith\"}],\"creator\":[\"Greg Caswell-Smith\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"Simply Business UK\",\"logo\":\"https:\\\/\\\/www.simplybusiness.co.uk\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2024\\\/04\\\/icon-512x512-1.png\"},\"keywords\":[],\"dateCreated\":\"2024-04-24T16:24:58Z\",\"datePublished\":\"2024-04-24T16:24:58Z\",\"dateModified\":\"2026-05-08T10:22:59Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/simplybusiness.co.uk\/p.js"},"_links":{"self":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages\/734","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/comments?post=734"}],"version-history":[{"count":85,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages\/734\/revisions"}],"predecessor-version":[{"id":50788,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages\/734\/revisions\/50788"}],"up":[{"embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages\/5152"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/media\/24481"}],"wp:attachment":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/media?parent=734"}],"wp:term":[{"taxonomy":"hidden-category","embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/hidden-category?post=734"},{"taxonomy":"import-page-type","embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/import-page-type?post=734"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/coauthors?post=734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}