The cost of public liability insurance varies depending on factors like the business type, location, coverage needed, and risk level. Generally, in the UK in 2025:
- Prices start from around £4.95 per month (~£59.34 annually) for coverage up to £2 million, but many pay less than £60 a year.
- Average small business costs range around £220-£350 annually.
- Some example quotes include £14.64/month for a domestic cleaner and £16.10/month for a barber.
- Coverage limits typically start at £1 million and can go higher, affecting the price.
- Higher risk businesses, more employees, or busier locations increase costs.
Similarly, in other regions like Australia, monthly costs average around $39 AUD for small businesses but vary by risk and size. So overall, public liability insurance cost can range from about £60 a year for very low-risk small businesses to several hundred pounds for others, with many paying around £220-£350 annually depending on their circumstances.
