How much does public liability insurance cost?
Industry type | Example public liability coverage amount | Typical premium |
Office-based Examples: – tech firms – consultants | $100,000
| From $100/year
|
Delivery/logistics | $100,000 | From $150/year |
F&B
Examples: – Cafes – Restaurants – Pubs – Takeaway stalls | $100,000 | From $150/year |
Retail shops | $100,000 | From $150/year |
Beauty services
Examples: – Hairdressers/barbers – Nail salons – Female/male grooming salons | $100,000 | From $150/year |
As you can see, public liability insurance is very affordable. Public liability insurance can be bought on its own, or as part of a business insurance package. The prices in the table above are for a standalone policy.
The main factors affecting your public liability insurance costs are:
1. Industry (e.g. low risk office-based industries, vs higher risk industries like offshore inspectors)
2. Previous claims filed for public liability insurance (if any)
3. Annual revenue
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