The internet has made obtaining public liability insurance increasingly accessible.  With the help of price comparison sites and search engines, it is possible to compare prices and obtain liability insurance for very competitive prices.  These websites, such as Coverzones and Swinton, offer cover for most types of business.  However for more unique or complex businesses, you may be better suited to a bespoke quote offered by specialist brokers.

Factors that may be taken into account by the insurance company when providing you with a quote for public liability insurance are the type of business and level of activity: for example this may be the amount of cases taken on by a law firm, or the capacity of a venue.  Another example would be the value of the services provided by a wedding planner.

It is often a good idea to seek advice before you take out a policy, as there may be many risks that you have not considered – local insurance brokers can be very helpful for this.  Once you have obtained advice and know more about the risks you face and the insurance products that would suit you, it is a good idea to shop around and take advantage of price comparison sites to ensure that you are being offered good value for money.  Alternatively, you should seek advice from more than one insurance broker.  You would not purchase car insurance or home insurance without obtaining more than one quote, and this case is no different.