Public liability insurance is not offered at a fixed rate and the cost of the insurance varies from business to business, dependant on circumstances.  The factors that influence the cost of the insurance include the size of your business, the number of employees, the turnover of your business and the nature of the business itself.  For example, if it is a routine part of your business for your employees to work in a hazardous environment, such as one with heavy machinery or an environment whereby hazardous chemicals are present, this will almost certainly increase the price of any insurance that you take out. 

Your history as an employer and as an insurance customer may also be taken into account, and previous claims may increase the price of any insurance cover.  The safety practices that your business observes may also be evaluated and used when deciding the price of your insurance.  The safety practices that you have put in place can also be important when it comes to negligence claims, and therefore some policies may be invalidated if a business fails to follow some of the safety procedures specified in the insurance documents.  It is always a good idea to thoroughly read through insurance documents to ensure that your business, property and staff comply with the conditions set out in the policy.  If you have any concerns or queries it is a good idea to contact the insurance provider.