Best liability insurance
3 GeraSure liability policy lines, ranked cheapest-first by average annual premium — from £80–£800/yr.
Quick Answer
For the lowest entry premium in liability cover, Business Public Liability starts at £80–£800/yr. The best choice depends on exactly what you need protected — the ranked list below shows what each policy covers.
#1Business Public Liability
£80–£800/yrPublic liability insurance protects your business against claims from members of the public for injury or property damage caused by your business activities.
- ✓ Third-party bodily injury claims
- ✓ Third-party property damage claims
- ✓ Legal defence costs
- ✓ Claimant's legal costs if court awards against you
#2Employer's Liability Insurance
£80–£600/yrLegally mandatory in the UK for any business with employees. Covers claims from employees for work-related illness or injury.
- ✓ Employee injury claims
- ✓ Occupational disease claims
- ✓ Legal defence costs
- ✓ Claimant's awarded damages
#3Professional Indemnity
£150–£2000/yrProtects professionals and businesses against claims for financial loss suffered by clients as a result of negligent advice, errors, or omissions.
- ✓ Claims for professional negligence
- ✓ Breach of duty claims
- ✓ Defamation and intellectual property infringement
- ✓ Loss of documents
Frequently asked questions
What is the cheapest liability insurance?
In the GeraSure catalogue, Business Public Liability has the lowest starting premium in the liability category at £80–£800/yr. Your actual quote depends on your risk profile, cover level and location.
Do I need public liability insurance as a sole trader?
Public liability insurance is not legally required for sole traders in the UK, but many clients and venues require proof of cover before allowing you to work on-site. Cover from £80/year is inexpensive relative to the risk.
How many liability insurance options does GeraSure offer?
GeraSure offers 3 liability insurance policy lines: Business Public Liability, Employer's Liability Insurance, Professional Indemnity.
Best insurance in other categories
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.