Find The Cheapest Liability Insurance Quote That Provides The Smartest Cover

Public liability insurance is often a necessary part of running a business. It protects your company from lawsuits arising from injury or damage to the property of a customer, client, or member of the public.

The Importance of Public Liability Insurance

Given the nature of accidents and the cost of both medical and legal bills, without public liability insurance, a single unforeseen incident can jeopardise your livelihood. The insurance typically covers the full cost of the claim, including any expenses derived from defending the lawsuit as well as caring for the claimant. The benefits of public liability insurance include the following:

  • Cover for legal fees and expenses
  • Cover for medical bills including ambulance fees and money owed to NHS resulting from a claim
  • Peace of mind – Knowing your business is covered in the event of a claim
  • Larger client pool – Many clients will not conduct business with a company that is not protected by a public liability policy

Examples of Public Liability Claims

Regardless of your amount of risk and exposure, an accident can happen to any business that interacts with third parties, including members of the public. A simple spill of your coffee could damage someone’s electronics or result in a severe burn. A wet spot in the floor of your office could prove negligent if the area was not marked with a sign.

What public liability insurance does not cover is claims made by your employees. For that, a separate insurance called employers’ liability is required. As many businesses require the purchase of both, insurers often sell these products as package deals with steeply discounted prices. While the price of your premium will mostly depend on the level of risk your business incurs, you can take advantage of bundles and price comparison sites to drive down costs through competition.

Online Comparison Sites

These days the internet empowers users with the ability to do a plethora of research on a variety of subjects, including the ratings and reliability of various insurers. However, access to information can often lead to an entirely different conundrum, the problem of too much data. When you have literally hundreds of options and thousands of quotes, restrictions, and small print to parse through, it is virtually impossible to find the time to sift through them all. Fortunately, the internet has a provided a solution for this problem through the existence of online comparison websites.

An online comparison site provides the best of both worlds. It culls, compares, and contrasts the data for you, then allows you to sort various insurers based on that information. In short, it does all the research for you and presents the options in a simplified list. Typically, you can sort by region, by price, and even by business type. By utilising an online comparison site, you actually spend less time doing more thorough research, while at the same time getting the advantage of having multiple companies compete for your contract.

A Single Form

Another way online comparison sites save you time is through the use of a single form. In the past, businesses had to fill out the same information over and over again when requesting a quote from various insurers. With the advent of the online comparison site, you can make a single entry and apply it to all the available providers in your area. Many of these sites partner with insurers to allow you to purchase directly from the comparison site.

Verifying an Online Quote

However, this does not preclude you from taking some responsibility to vet the quote you choose. Be sure the company that is offering the insurance is a member of the Association of British Insurers (ABI). It is also a good idea to contact the company or a broker about possibly negotiating the price down based on factors that are unique to your business.

For instance, if you have implemented safety training for your employees, or are immune from common risk factors pertaining to your business, you may wish to point these out to the insurer. The online comparison site is a valuable tool in narrowing down your choices quickly and easily, but it is important to remember that some additional effort could ensure you get the cheapest and most reliable rate.

Photography Business And The Need For Public Liability Coverage

Photography is an interesting and creative job, but one that comes with a responsibility to capture the moments of the customers who pay for your services. Some photographers work outdoors, attempting to capture those breathless moments in time. Others have home studios, offering photo services to document the growth of a family over time. Regardless of the type of photography you do, there are certain risks involved with owning a business.

There is the risk of the business property itself causing injury, as well as the risk of a lawsuit due to a breach of privacy. As photos can capture not only the things we want to preserve, but the intimate moments we wish to remain secret, there is a lot of responsibility that comes with being a photographer. While getting an insurance plan may seem like a superfluous purchase, there are plenty of risks involved with your business that may justify a public liability plan.

Public liability insurance protects you from any injury or damage to patrons who come to your premises. The insurance typically will cover expenses, legal fees, and any medical costs that result from a claim. If you own a studio, for instance, you will often have customers on your premises, and anything from a wet floor to a faulty stool can result in an accident. The odds of this may be slim, but consider that one accident can result in a lawsuit that could end your business and irreparably damage your reputation. Moreover, the lower the potential for an accident, the lower your premiums. Given that photography is a low risk occupation, you can get insurance cheaply while still protecting yourself should something disastrous occur. Public liability insurance covers:

  • Legal costs, expenses and claim settlement
  • Medical costs resulting from injury including ambulance and emergency room treatment

Flexible Coverage

Whenever you are dealing with public liability insurance, you need evaluate where the risk applies. Many policies offered by providers are split into tiers that may not necessarily apply to your particular situation. As a photographer, most of your risk is limited to your place of business. However, there are many situations in which you will visit clients and take pictures out in the field. In such an environment, you could potentially cause an accident either by distracting someone or being distracted yourself by your work. As these are very unique circumstances, you want a insurance package that accounts for your unique situation.

Freelance Journalists

Working as a freelance journalist represents the largest risk for a photographer as the pictures they take can infringe on one’s privacy. If the photo was sold and printed to by media outlet, a dispute over whether permission was received can result in a lengthy and expensive lawsuit. What public liability insurance does is provide the funds for a defence and legal team to fight the accusations. If a settlement is reached, the insurance company will pay the claim up to the limit as dictated by your insurance policy. Typically the maximum will be anywhere between 5 and 10 million pounds.

Confused With Public Liability? Here’s What You’re Missing

Public liability insurance is essentially insurance for businesses. Since virtually anyone doing business deals with the general public, they need insurance to protect them in the event some of the business’s operations cause some harm or damage to persons or property. The following are the basic steps involved in getting public liability insurance.

Find Insurance Companies

The first step, of course, is to find insurance companies that sell this type of insurance. This can be done easily enough by looking in the local telephone book or looking online. Remember that not just any insurance company will offer this sort of thing. You need to inquire about this when you speak to a representative  from a company like or include it in your online searches.

The following steps deal with the information you will need to furnish the insurance company with. You should be prepared to answer questions on the following specifics about your business and have the necessary documentation in place to back them up:

Business Activities

This is simply what your business does. The company will need to know this in order to judge what level of liability coverage to offer you. Certain trades pose far less risk to the public than others. For instance a business like an art dealership is much less of a concern in this regard than a large construction company.
The insurance company will ask you a number of specifics about your business’ activity depending on the profession. They may ask you, for instance, the frequency that you perform certain types of work, where the business is located, whether heavy loads are involved, if the work involves anything done at heights, and so on.


The chances are that if you are taking out public liability insurance, you are most probably just starting your business, unless of course you are changing insurance companies. So the insurance company may wish to know your level of prior experience in the industry in which your business is involved. If you are starting a construction outfit, they will want to know whether or not you have owned other construction outfits or have at least worked for them. The level of experience can result in significant discounts so make sure that you include anything relevant in this regard.

Number of Staff

The company will want to know how many staff you have in your employ. There are often a number of different categories here. The company may ask you to enumerate how many staff members fall into each category. Four typical categories are principals/partners, employees, sub contractors, and labour only sub contractors. You should thus have a good count of how many people are employed with you in each of these capacities before talking to insurance companies about your quote.

Business Start

The company will want to know when the business originated and/or when you began trading your stock publicly. You may need to go into your records to get the exact date here. Doing this before hand, as in the other cases, saves time, so take care of that first.

Insurance History

You may have had public liability with another company in the past. If so, the company to which you’re applying for liability insurance will probably ask you questions about the coverage you had. In particular they will probably want to know how many claims you made with the company, if any. It is generally best as regards the rate they will offer you if you didn’t make any claims, or if there were long periods of time between claims. This suggests to the insurance company that you are a fairly good risk. The insurer may also verify that you paid your premiums on time and so forth.

Level of Coverage

The level of coverage that you need is another important consideration. The basic level of coverage is 1,000,000 pounds of indemnity. You can elect to get higher level of cover, of course. The cover level can go up as high as 10,000,000 pounds or more. This is the type of thing that you need to consider carefully before talking to the company about a quote. Assess the types of public liability risks to which you might be exposed and judge the level of coverage you need accordingly. Then when you are actually talking to insurer you will know exactly what type of coverage you want. This will help avoid confusion and make you able to resist their attempts to over sell you, if indeed that is a type of marketing behavior in which they engage.

Choosing the right level of public liability insurance and finding a good company are important steps in safeguarding a business against unexpected mishaps and the lawsuits they often entail. So make a careful decision, and go in to speak to an insurer prepared with all the relevant knowledge, information, and documentation. This will make the process easy and straightforward.