Public liability insurance cost is one of the most searched questions in UK business insurance, and the honest answer is that it depends heavily on what you actually do, not just your business size.
Public liability insurance cost is driven primarily by the nature of your work and how much contact you have with the public, a desk-based consultant carries a very different risk profile to a tradesperson working on other people's property.
A common misconception: Many sole traders assume public liability is prohibitively expensive and skip it entirely. In practice, for low-risk trades with modest cover limits, it is often far cheaper than expected, sometimes just a few hundred pounds a year.
Bundling public liability with employers' liability or professional indemnity into a single commercial combined policy is often cheaper than buying each separately. Comparing quotes at renewal rather than accepting an automatic roll-over is one of the simplest ways to keep the cost down year on year.
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See My Cover Options →Cost figures are indicative and vary significantly by trade, location, and claims history. Always compare current quotes directly.