Public Liability Cover Levels

The cover level is the maximum amount your insurer will pay out for a claim — it's not related to your turnover or business size, and choosing the right one is mostly about what your clients, councils or contracts require, not what "feels safe".

Available now

• £5 million public liability insurance — the level most UK councils and mid-sized contracts ask for, and what pushes the price up compared to £1m or £2m.

Coming next

Dedicated guides for £1 million, £2 million and £10 million cover are planned. In the meantime, our calculator lets you compare any of these four levels directly and see how the estimated range shifts.

Cover level requirements are also trade-specific — see how they apply in practice on our dog walker insurance guide.

General information only, not financial advice. Affiliate links may be present — see disclaimer.