Find public liability and professional indemnity insurance policies that can offer financial protection from legal claims against your business.
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Simply enter information about the cover that your business needs, by providing accurate information will ensure that you're not overpaying for business and professional indemnity cover.
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While a cheap public liability and professional indemnity policy could catch your eye, it's important to check the terms of the cover to make sure it matches your business needs.
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There are monthly and annual payment options available and often by paying for a policy upfront you can get cheaper public liability and professional indemnity insurance. Once you have chosen your provider simply apply for the cover.
Last updated: 3 May 2022
Public liability insurance is essential for any company that interacts with the public. Whether you need professional indemnity insurance depends on the type of business you run. You need it if your business offers advice to customers for a fee.
You could save money by combining both insurances on one policy, but first, you need to work out if you need both types of cover.
Professional indemnity (PI) cover protects your business if it’s sued by a client who has lost money because of the work you do for them or the advice you’ve offered.
The types of businesses that usually need professional indemnity insurance include:
Also consider taking out professional indemnity cover if you offer knowledge, skills or advice as your main business activity. For example, this might include freelance journalists or graphic designers.
You need public liability (PL) insurance to protect you when:
you go out to see clients, for example at their home
you have clients visit you, for example at your home or business premises
you are out on business, for example travelling to a meeting
Public liability insurance covers claims made against you if your work results in injury, illness or death to a member of the public. For example, if someone trips over your tools or equipment when you’re out on a job.
It also covers damage to other people's property.
Getting the correct cover is more important than what you pay, so the best insurance for your business may not be the cheapest. Compare policies, though, and you can still save money.
Use our comparison to get as many quotes from as many insurers as possible.
If you’re unsure what protection your business needs, use this comparison to contact a broker. They can advise you on the right level cover and compare policies to help you find the best price.
Public liability covers physical damage caused by your work, like injuries or property damage. Professional indemnity covers clients' financial losses.
Yes, but combining the cover you need on a single policy could save you money. Compare combined and separate quotes to see which is the cheapest.
It depends on the price of your excess, which may be different depending on what you claim for. Check the terms of the policy before you take out cover.
Yes. Insurers charge interest on monthly direct debits, so you’ll save money if you pay your policy annually.
By getting business insurance you could save money on the policy. The best value business insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.
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