Business Insurance / Public Liability

Compare Public Liability Insurance Providers UK

Compare Cover Limits, Third-Party Injury And Property-Damage Wording, Excesses, Legal Costs, Trade Eligibility, Claims Support, Pricing And Complete Policy Cost

Compare public liability insurance UK providers by declared business activity, customer and visitor exposure, premises and work-away cover, policy limit, legal defence costs, property-damage excess, property being worked on, care-custody-control wording, subcontractor treatment, events, territorial scope, exclusions, endorsements, incident notification, claims service, insurer identity, FCA status, annual premium, Insurance Premium Tax, instalment costs, fees, renewal, cancellation and complete policy documents. Give every provider the same legal entity, activities, turnover, sites, public interaction, workers, subcontractors, claims history, required limit and contract deadline before comparing proposals.

Reviewed 5 August 2026Third-Party Liability FocusEight Provider Routes Reviewed
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8insurer, broker and comparison routes reviewed
8wording, claims and commercial areas compared
15scope, disclosure, evidence and exit checks included
1 Briefuse the same risk information for every quotation
UK business owner comparing public liability insurance providers, policy limits, excesses, claims support and contract requirements
Compare insured activities, third-party injury and property-damage cover, policy limits, legal costs, excesses, exclusions, claims handling, provider status and complete annual cost.

Buy Cover For The Actual Third-Party Exposure

Public liability insurance is designed around the business’s legal liability to customers, clients, visitors, suppliers, passers-by and other people outside the organisation.

  • Declare every material activity, work location and customer interaction
  • Match the limit to contracts and credible maximum-loss scenarios
  • Check property being worked on, care-custody-control and subcontractors
  • Preserve incident records and follow the insurer’s notification process

Public liability insurance can respond when an insured business activity is alleged to have caused accidental bodily injury, illness, death or physical damage to property belonging to another person or organisation. Depending on the wording, it can pay covered compensation and associated legal defence costs up to the policy terms and limit.

Public liability cover is generally optional in the UK, although contracts, venues, landlords, trade bodies, principal contractors and public-sector buyers can require a stated limit before work begins. A certificate confirms that insurance exists; it does not disclose every exclusion, endorsement, excess, activity description or claims condition.

This page remains within public liability insurance. It does not compare claims made by employees or claims alleging financial loss from professional advice. Those exposures sit within separate insurance decisions and are linked near the end of this page.

Policy And Buying Models

Choose The Right Public Liability Insurance Route

Match the buying route to trade complexity, contract limits, activities, claims history, support needs and the number of additional business risks.

Buying ModelWhat It Usually IncludesBest-Fit Question
Direct Online Public Liability PolicyDigital quotation, selectable limits, online documents and self-service changes for eligible trades and straightforward risks.Can the online question set describe every activity, location, subcontractor and restriction accurately?
Broker Comparison RouteA broker approaches one or more insurers, explains options and may support placement, changes, renewal and claims communication.Which insurers were considered, what advice is provided and how are fees and commission disclosed?
Combined Small-Business Insurance PackagePublic liability is arranged with selected property, interruption, tools, legal-expenses or other covers under one package.Are the liability wording and limits suitable, or is convenience masking a restriction?
Trades And Contractor PolicyCover configured around manual work, tools, work away, contract sites, subcontractors, height, depth, heat and specific occupations.Do the endorsements match the exact methods and maximum working conditions?
Retail, Hospitality And Premises PolicyPublic liability forms part of premises-based insurance with contents, stock, interruption and other operational sections.Are customer footfall, food, treatments, events, opening hours and temporary activities correctly declared?
Event Or Short-Term Public LiabilityCover for one event or a defined temporary period, subject to attendance, venue, activity and equipment restrictions.Would annual cover be more suitable when events or public activities recur?
Charity, Club Or Community PolicyCover designed around volunteers, members, community events, hired premises, fundraising and public participation.Are all entities, activities, attendance levels and volunteer responsibilities included?
Complex Or High-Limit Broker PlacementBroker-led insurer selection for unusual trades, difficult claims histories, hazardous work, multinational exposure or £5 million and £10 million contract requirements.Can the broker evidence insurer appetite, wording negotiation and claims support for the specific risk?
Key Features To Compare

Eight Areas That Determine Public Liability Policy Fit

Use the same legal entity, activities, locations, people, claims history, limit and payment assumptions for every provider.

01

Comparison Criterion

Insured Business Activities And Trade Description

Compare the occupation, primary and secondary services, manual work, demonstrations, installations, repairs, treatments, food, events and incidental activities accepted by the insurer. Require the quotation, schedule and statement of fact to describe the real work. A broad trade label can conceal exclusions or referral requirements.

02

Comparison Criterion

Public Liability Limit And Aggregation

Compare £1 million, £2 million, £5 million or £10 million options where available. Confirm whether the limit applies to each claim, all claims in the policy period, pollution events or specific extensions. Establish whether defence costs sit inside or outside the limit and whether contractual requirements are met.

03

Comparison Criterion

Third-Party Injury And Property-Damage Wording

Review the definitions of bodily injury, illness, death, loss and physical property damage. Test representative incidents at the business premises, customer sites, events and public areas. Confirm who is treated as a third party and how wrongful arrest, nuisance, trespass or statutory defence costs are handled if included.

04

Comparison Criterion

Work Away, Premises And Territorial Scope

Confirm cover at owned, rented, shared, temporary and customer locations. Check UK, European and worldwide activity, jurisdiction restrictions, overseas visits, exports and contracts. A policy can permit temporary overseas work while still restricting claims brought in certain courts.

05

Comparison Criterion

Property Worked On, Hired Or Controlled

Examine damage to the specific item being worked on, surrounding property, hired premises and property in the business’s care, custody or control. This is material for repairers, installers, cleaners, venues, storage, equipment handling and businesses temporarily holding customer property.

06

Comparison Criterion

Subcontractors, Labour And Contractual Liability

Declare labour-only and bona-fide subcontractors accurately. Confirm when subcontractors are treated as part of the insured business, what insurance they must carry, what evidence must be checked and how indemnities, principal clauses or contractual liability are treated.

07

Comparison Criterion

Excesses, Exclusions And Endorsements

Compare property-damage excesses and special excesses for higher-risk work. Review height, depth, hot work, demolition, asbestos, pollution, hazardous locations, security, temporary structures, events, watercraft, railways, airports and other trade-specific restrictions. Score wording rather than feature counts.

08

Comparison Criterion

Claims, Service, Pricing And Exit

Compare incident notification, insurer control of defence, consent requirements, claims contacts, evidence guidance, complaint routes, annual premium, Insurance Premium Tax, instalment charges, broker fees, changes, renewal, cancellation and document access. Confirm the underlying insurer and regulated firm before purchase.

Comparison Evidence

Measures To Define Before Selecting A Public Liability Provider

Translate insurance claims into written activity, wording, limit, claims and commercial evidence.

MeasureWhat It Should DefineEvidence To RequestCommon Weakness
Business activity acceptanceWhether the insurer accepts every material service and incidental activityQuotation answers, schedule, statement of fact, endorsements and written clarificationThe policy uses a narrower occupation than the work actually delivered
Third-party exposureWho can be affected, where incidents can occur and how often the public interacts with the businessFootfall, visitors, client sites, events, work areas, attendance and operating hoursThe risk is described as office-only despite regular customer or site work
Policy limitThe maximum insurer payment and whether it applies each claim or in aggregateContract requirement, maximum-loss rationale, legal-cost basis and aggregation wordingA certificate shows the requested figure but the wording restricts it
Property-damage scopeWhether surrounding property, hired premises and customer property are coveredScenario response, care-custody-control wording, property-worked-on clause and excessThe core item being handled is excluded without the buyer understanding it
Subcontractor controlHow labour-only and bona-fide subcontractor acts and insurance are treatedContracts, subcontractor classification, insurance checks, limits and policy confirmationThe business assumes all subcontractors are automatically covered
Trade restrictionsWhether height, heat, depth, demolition, hazardous sites or other methods remain within termsEndorsement schedule, method statements, maximum limits and insurer clarificationAn operational method breaches an endorsement condition
Claims notificationWhich events, allegations and circumstances must be reported and by whenClaims guide, contact route, policy condition, evidence checklist and escalationThe business waits for a formal claim before notifying an incident
Legal defenceWho controls solicitors, admissions, settlement and defence costsWording, limit basis, consent process and claims-handler explanationThe business admits liability or negotiates directly without consent
Commercial totalThe full annual and monthly cost of the proposed coverPremium, IPT, finance cost, deposit, broker and administration feesMonthly instalments are compared without total payable
Provider verificationThe identity and regulated role of broker, insurer and claims handlerFCA Firm Checker, Financial Services Register, policy documents and terms of businessThe buyer cannot identify the insurer or who handles claims
Provider Comparison

Public Liability Insurance Providers UK Businesses Can Consider

Shortlist providers whose trade appetite, wording, limit, claims model, regulated role and complete cost fit the business. Confirm current written terms before purchase.

01

Provider Profile

Allianz Insurance

Allianz offers business liability insurance through insurance brokers. Include it where a business wants broker support and may need public liability alongside wider commercial cover. Confirm the selected Allianz product, public liability limit, accepted activities, excesses, endorsements, territorial scope, claims service, broker responsibilities, fees, renewal and the exact insurer named in the documents.

Review official Allianz liability insurance information
02

Provider Profile

AXA Business Insurance

AXA provides a direct online public liability route for many small businesses and trades, with selectable limits for eligible risks. Include it where the business can describe its activities accurately through a digital journey and wants direct policy management. Confirm trade eligibility, work-away wording, legal-cost treatment, excesses, restrictions, optional sections, monthly-payment total and claims process.

Review official AXA public liability insurance information
03

Provider Profile

Direct Line For Business

Direct Line for Business offers direct public liability quotations for a broad range of eligible trades and professions. Include it where the buyer values online documents, direct service and limits that can extend from £1 million to £10 million subject to criteria. Confirm the business description, equivalent-cover basis, exclusions, payment terms, policy-change process and claims contact.

Review official Direct Line for Business public liability information
04

Provider Profile

Hiscox

Hiscox provides configurable public liability cover for eligible professionals, trades, events and small businesses through direct and broker channels. Include it where the buyer wants to combine liability with selected specialist business covers or needs one-day event options. Confirm limit availability, manual-work and event restrictions, property handling, subcontractors, legal costs, claims support and complete policy cost.

Review official Hiscox public liability insurance information
05

Provider Profile

Markel Direct

Markel Direct provides online business insurance for eligible sole traders, contractors, trades, charities and community organisations. Include it where the risk fits its occupation and package model and the buyer wants direct documents and specialist small-business cover. Confirm public liability limit options, included legal support, occupation wording, bundled sections, exclusions, claims handling, payment and cancellation terms.

Review official Markel Direct public liability information
06

Provider Profile

PolicyBee

PolicyBee is a specialist online business-insurance broker that arranges policies from insurers and offers adviser support. Include it where a small business wants a guided digital broker route rather than approaching one insurer only. Confirm the insurer panel, underlying insurer, advice basis, fees, policy wording, claims contact, limit options, monthly-payment cost and how changes and renewal are administered.

Review official PolicyBee public liability information
07

Provider Profile

Premierline

Premierline is a business-insurance broker that works with a panel of UK insurers and provides adviser-led quotation support. Include it where activities, limits or combined requirements need discussion rather than a purely automated journey. Confirm insurers approached, recommendations, broker fees, policy conditions, contract limits, claims support, service contacts, renewal and cancellation arrangements.

Review official Premierline public liability information
08

Provider Profile

Simply Business

Simply Business is a broker and comparison service that presents quotations from several insurer brands for eligible small businesses. Include it where the buyer wants to compare multiple insurer routes through one application. Confirm the underlying insurer, public liability limit, product-liability treatment, excess, policy bundle, fees, monthly-payment total, claims partner, renewal and complete documents.

Review official Simply Business public liability information
Comparison note: the profiles describe relevant buying routes and are not a universal provider ranking. Review the provider evaluation approach, obtain current quotations and score every provider against the same legal entity, activities, turnover, sites, subcontractors, claims history, limit and payment assumptions.
Pricing Factors

What Changes Public Liability Insurance Cost UK 2026

Compare the complete cost of suitable wording and claims support—not the lowest advertised monthly figure.

Cost DriverWhy It Changes PremiumWhat A Comparable Quote Should Show
Trade and activitiesManual work, treatments, food, events, construction, height, heat and hazardous locations can increase claim frequency or severityExact occupation, activity split, methods, tools, locations and prohibited work
Turnover and scaleHigher turnover can indicate more transactions, customers, locations and opportunities for incidentsActual and forecast turnover, seasonal peaks and group structure
Customer and public interactionFootfall, visitors, events and customer-site work change the exposureVisitors, attendance, work locations, opening hours and public areas
Policy limitA higher maximum claim payment generally increases insurer exposure£1m, £2m, £5m or £10m requirement and maximum-loss rationale
Claims and incidentsPrevious claims and near misses can indicate future risk or weak controlsAccurate history, circumstances, values, status and corrective actions
Workers and subcontractorsMore people and complex supply chains can widen activities and responsibilityWorkers, labour-only and bona-fide subcontractors, payments and insurance checks
Premises and territoryWork away, shared premises and overseas activity can change physical and legal exposureEvery site, country, jurisdiction and percentage of work away
Excess and endorsementsHigher excesses and conditions transfer more cost and control duties to the businessExcess affordability, restrictions and operating procedures
Payment method and feesMonthly finance, broker charges and administration can increase total payableAnnual premium, IPT, instalment total, deposit and fee schedule
Package compositionAdding other policy sections changes the premium and can obscure the public-liability comparisonPublic-liability section price, bundled covers, optional extensions and duplicated protection
Indicative Commercial ModelTypical PositionWhat Must Be Confirmed
Annual Direct PolicyThe full premium is paid to an insurer or intermediary for a 12-month policyPublic liability limit, excess, activities, annual total, IPT, fees and cancellation terms
Monthly Instalment PlanThe annual premium is financed or collected by instalmentsDeposit, APR or finance charge, total payable, missed-payment treatment and cancellation
Broker-Placed PolicyA broker arranges cover with an insurer and may charge fees or receive commissionInsurer, advice basis, market approach, broker fees, policy changes, claims role and renewal
Combined Business PackagePublic liability is purchased with other insurance sectionsSeparate section limits, duplicated cover, package exclusions, optional covers and whole-policy cost
Pricing rule: advertised examples use selected occupations, limits, payment methods and customer samples. Reprice every quotation using the same risk information and compare the annual total including the standard 12% Insurance Premium Tax on most general insurance, instalment charges and broker or administration fees.
Business Fit

Match The Provider To The Public Liability Exposure

The right shortlist depends on public interaction, work methods, locations, contracts, claims history and the support required.

Low-Risk Office Or Consultancy Business

Prioritise accurate visitor and client-site exposure, straightforward limits, clear work-away wording, low administration, online documents and a claims route that remains easy to access. Avoid assuming home or office insurance automatically covers all commercial activities.

Trade Or Contractor Working At Customer Sites

Prioritise declared manual activities, height, depth, heat, tools, property being worked on, subcontractors, principal-contract limits, site restrictions, risk controls and broker access where a direct question set cannot represent the work properly.

Retail, Hospitality, Beauty Or Visitor-Facing Premises

Prioritise customer footfall, food or treatments, events, hired areas, opening hours, slips and trips, property damage, legal costs, incident records and a combined package only where each liability condition remains suitable.

Events, Community Organisations Or High-Limit Contracts

Prioritise attendance, venues, temporary structures, volunteers, setup and dismantling, contract wording, £5 million or £10 million requirements, certificates, hired premises, short-term versus annual cover and adviser support for unusual activities.

How To Compare Public Liability Insurance Proposals

Issue one risk pack containing the legal entity, trading names, years trading, full activity description, turnover, sites, customer and public interaction, work away, events, tools, heights, depths, hot work, treatments, food, temporary structures, workers, subcontractors, claims history, contract limits, territories, required inception date and payment preference. Require the provider to return a completed wording and commercial schedule rather than a premium-only summary.

  • Every provider accepts the same activities and operating methods
  • Limits, legal costs, aggregation and excesses are directly comparable
  • Work away, property handling and subcontractor wording are demonstrated
  • Exclusions and endorsements are returned before purchase
  • Insurer, broker, claims handler and regulated role are identified
  • Annual and monthly totals include IPT, finance and fees

Compare The Same Incident End To End

Ask each provider how the policy would respond if a visitor is injured, customer property is damaged during work, a subcontractor causes an incident, the claim is disputed and legal defence costs arise.

A low premium is not a strong result when the core activity, property, location or contract limit sits outside the accepted wording.

Quote Questions

Six Questions To Put To Every Public Liability Provider

The answers expose narrow activity descriptions, unsuitable limits, hidden restrictions, weak claims support and incomplete annual costs.

01

Which Of Our Activities Are Specifically Accepted?

Request written confirmation for primary and secondary services, work away, events, treatments, food, installation, repairs, manual work, tools, height, depth, heat and hazardous locations.

02

How Does The Limit Apply?

Confirm each claim versus annual aggregate, legal costs inside or outside the limit, pollution or special aggregates, contract limits and whether one incident involving several claimants reduces remaining cover.

03

What Property Damage Is Restricted?

Ask about property being worked on, surrounding property, hired premises, customer goods, temporary possession, care-custody-control wording and every relevant property-damage excess.

04

How Are Workers And Subcontractors Treated?

Confirm labour-only and bona-fide subcontractors, insurance requirements, evidence checks, contractual liability, principal clauses, indemnities and how the policy responds to their acts.

05

What Happens When An Incident Or Allegation Occurs?

Request notification timing, contact routes, insurer control, admissions, legal representation, evidence guidance, emergency support, claims escalation and complaint procedures.

06

What Is The Complete Annual Cost And Exit Position?

Obtain premium, IPT, deposit, instalment total, finance, broker and administration fees, policy changes, cancellation, automatic renewal, document access and transition to another insurer.

Selection Process

A Seven-Stage Public Liability Provider Evaluation

Move from verified business activities to tested wording and claims operation rather than selecting a policy from a headline price.

  1. Create a verified risk baseline covering legal entities, activities, turnover, sites, public interaction, customer work, events, workers, subcontractors, claims, contracts and existing insurance.
  2. Define the required public liability limit from customer, venue, landlord, tender and principal-contractor requirements plus credible maximum-loss scenarios.
  3. Prepare a prioritised requirement catalogue covering bodily injury, property damage, legal costs, work away, property handling, subcontractors, territory, exclusions, claims, pricing and exit.
  4. Issue one quotation brief and scripted incident set using the same activities, limits, excess preference, claims history, inception date and payment assumptions.
  5. Shortlist providers by trade appetite, wording clarity, limit availability, claims service, regulated status, insurer strength, relevant support and complete cost.
  6. Complete due diligence and document review. Check the FCA Firm Checker, insurer identity, IPID, wording, schedule, statement of fact, certificate, endorsements, fees and claims route.
  7. Purchase only after correcting inaccuracies. Store documents, communicate incident procedures, monitor changes in activities and contracts, and repeat the comparison before renewal.
Risk Control

Public Liability Insurance Comparison Checklist

Use this table before purchasing, changing or renewing public liability cover.

No.RequirementEvidence To Obtain Before PurchaseConfirmed
01Legal entity and trading names correctCertificate, schedule and statement of fact use the exact insured business
02Public liability service boundary retainedThe comparison does not substitute employee-claim or professional-advice cover
03Every material activity declaredPrimary, secondary, incidental, manual, event, treatment, food and installation activities
04Turnover and scale verifiedActual and forecast turnover, locations, visitors, events and work-away proportion
05Required limit approvedCustomer, venue, tender and maximum-loss basis for £1m, £2m, £5m or £10m
06Limit basis and legal costs understoodEach claim or aggregate, defence costs, pollution or special sublimits
07Premises and territorial scope suitableOwned, rented, shared, temporary, customer and overseas locations
08Property-damage wording acceptedProperty worked on, surrounding property, hired premises and care-custody-control
09Workers and subcontractors declaredLabour-only and bona-fide subcontractors, contracts and insurance checks
10Excesses affordableProperty damage and special excesses can be funded immediately after an incident
11Endorsements operationally workableHeight, depth, heat, hazardous locations, security, permits and event restrictions
12Claims process testedNotification, evidence, admissions, legal representation, escalation and complaint route
13Provider and insurer verifiedFCA status, legal entity, insurer, claims handler and terms of business
14Three-year commercial view completePremium, IPT, finance, fees, changes, renewal and internal administration
15Documents and exit controlledQuotation, IPID, wording, schedule, certificate, statement of fact, cancellation and transition
Buying Mistakes

Common Public Liability Insurance Buying Mistakes

Most avoidable problems begin with price-led selection, incomplete disclosure, certificate-only checks or claims and exit left outside the comparison.

MistakeWhy It Creates RiskBetter Control
Choosing the lowest monthly figureThe quote may use a different limit, excess, payment cost or activity descriptionCompare the annual total and identical wording assumptions
Using a vague occupation descriptionImportant manual, event, treatment or installation work may not be acceptedList every material activity and obtain written confirmation
Relying only on the certificateThe certificate does not show all exclusions, endorsements or excessesRead the schedule, wording, statement of fact and endorsements together
Selecting the limit from business size aloneA small business can cause a severe injury or damage valuable propertyUse contracts and credible maximum-loss scenarios
Ignoring property being worked onThe item being handled or repaired can be restricted even when surrounding property is coveredTest the exact customer-property scenario
Assuming subcontractors are automatically coveredClassification and insurance requirements differDeclare arrangements and verify policy conditions
Failing to notify an incident promptlyLate notification or admissions can prejudice insurer handlingUse a written incident and claims escalation process
Comparing insurer and broker brands as though they are identicalThe contracting role, insurer, advice, fees and claims route differIdentify every legal entity and regulated permission
Not updating activities during the policyThe risk can materially change before renewalFollow the policy change-notification process and retain evidence
Leaving cancellation and renewal unreadAutomatic renewal, finance and fees can create avoidable costCalendar notice dates and compare before renewal
FAQs

Frequently Asked Questions

Answers to common questions from UK businesses comparing public liability cover, limits, wording, work-away protection, subcontractors, claims and pricing.

What Is Public Liability Insurance?

Public liability insurance is designed to cover the insured business’s legal liability when a customer, client, visitor, supplier, passer-by or another third party suffers bodily injury, illness, death or physical property damage connected with the declared business activities. It can pay covered compensation and legal defence costs up to the policy terms and limit.

Is Public Liability Insurance Legally Required In The UK?

Public liability insurance is generally not compulsory under UK law. However, a customer, venue, landlord, local authority, principal contractor, tender, trade association or professional body may require a stated limit and proof of cover before work begins. Certain specific activities can have separate legal requirements.

How Much Public Liability Insurance Does A Small Business Need?

The limit should reflect contractual requirements and credible maximum-loss scenarios. Common options include £1 million, £2 million, £5 million and £10 million where offered. A small business may need a higher limit when it works in busy public areas, valuable premises or contracts that specify one.

How Much Does Public Liability Insurance Cost UK 2026?

Premiums vary by trade, activities, turnover, public interaction, locations, claims history, workers, subcontractors, cover limit, excess and payment method. Advertised examples use selected occupations and assumptions, so compare current quotations using the same risk information and annual total.

Does Public Liability Insurance Cover Work At A Client’s Premises?

Many policies can cover declared work away from the business premises, but the trade, activities, territory and restrictions must match the work. Check property being worked on, property in care or control, height, heat, depth, hazardous locations and subcontractor conditions.

Does Public Liability Insurance Cover Damage Caused By A Subcontractor?

Treatment varies. Labour-only subcontractors may be treated differently from bona-fide subcontractors. The policy may require subcontractors to hold their own insurance and the business to verify it. Declare the arrangements accurately and obtain written confirmation of how liability is handled.

Are Legal Costs Included In Public Liability Insurance?

Public liability policies commonly include covered legal defence costs, but wording differs. Check whether legal costs are inside or outside the limit, whether insurer consent is required, who controls defence and settlement, and whether associated statutory defence costs are included.

What Is The Public Liability Insurance Excess?

The excess is the amount the policyholder contributes to a covered claim. Property-damage excesses are common and special activities can carry higher amounts. Check whether the excess applies per claim, event or claimant and whether any part of legal costs is affected.

What Documents Prove Public Liability Insurance Is In Place?

A certificate commonly shows the insured, insurer, policy period and headline limit. The full protection is defined by the schedule, statement of fact, wording and endorsements. Keep all documents and check the details before supplying a certificate to a customer or venue.

How Should UK Businesses Compare Public Liability Insurance Providers?

Give every insurer or broker the same legal entity, activities, turnover, locations, workers, subcontractors, claims history, required limit and payment assumptions. Compare wording, exclusions, excesses, legal costs, insurer identity, claims service, total annual cost, fees, renewal and cancellation rather than the headline premium alone.

Official Guidance And Provider Resources

Reviewed by Bhav Giva, Founder & Lead Analyst at CompareServices.co.uk, on 5 August 2026.

Use current ABI, FCA, GOV.UK and provider documentation to verify legal status, insurer and broker roles, permissions, policy limits, wording, claims procedures, pricing examples, Insurance Premium Tax, fees and contract terms. Insurance availability, appetite, premiums and policy documents can change. Obtain advice from an appropriately authorised insurance professional where the risk, activity or contract is complex.

  1. Association of British Insurers — Public Liability Insurance
  2. Association of British Insurers — Liability Insurance
  3. FCA — FCA Firm Checker
  4. FCA — Financial Services Register
  5. FCA — SMEs And Insurance Brokers
  6. GOV.UK — Insurance Premium Tax
  7. Allianz Insurance — Liability Insurance
  8. AXA Business Insurance — Public Liability Insurance
  9. Direct Line For Business — Public Liability Insurance
  10. Hiscox UK — Public Liability Insurance
  11. Markel Direct — Public Liability Insurance
  12. PolicyBee — Public Liability Insurance
  13. Premierline — Public Liability Insurance
  14. Simply Business — Public Liability Insurance