What Is Public Liability Insurance?
Public liability insurance is a type of business insurance that is essentially an older form of general liability insurance.Public liability insurance helps pay liability claims against your small business made by the general public, such as customers, delivery personnel or visitors. While they are similar, general liability insurance typically offers broader coverage. Many insurance companies no longer offer public liability insurance and instead recommend business owners get a commercial general liability insurance plan.
How Much Does Public Liability Insurance Cost?
Each small business is unique. Your public liability insurance cost will vary based on several factors, including your:
- Type of business
- Location
- Size
- Prior claims history
- Number of employees
Most insurance companies will recommend you look into general liability insurance costs, which will include public liability insurance coverage for your small business. On average, the monthly cost for a general liability insurance policy is about $67.1
The best way to find out your commercial general liability insurance cost is to get insurance quotes. You can tailor your policy to fit your specific business needs.Get a quote today to find out how liability insurance can protect your business.
What Does Public Liability Insurance Cover?
Public liability insurance helps protect your business from claims of accidents, bodily injuries or property damage that can come up when working with the general public or third parties at your business property. This type of insurance is one of the most basic forms of liability coverage and is typically one of the cheapest.
Keep in mind that general liability insurance covers your business from everything that public liability insurance covers and more. Also, some businesses may want you to provide acertificate of insurance (COI) to prove you have the right coverage before they agree to work with you. You can get a COI at any time through our online system.
What Other Types of Business Insurance Are Recommended?
While insurance needs vary from business to business, public liability insurance is the basic protection all small business owners should start with. To fully protect your business, these other types of coverage are also highly recommended.
Commercial Property Insurance
Commercial property insurance helps protect your owned or rented building premises, tools and the equipment you use to operate.
Workers’ Compensation Insurance
Most state laws require business owners to carry this insurance to help compensate employees for expenses associated with work-related personal injuries or illnesses like medical bills, rehabilitation and lost wages.
Commercial Auto Insurance
Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important.
Cyber Insurance
Cyber insurance, also known as data breach insurance, helps cover liability expenses from technology-related risks such as a data breach or cyberattack. If you collect, store, send or receive customer information, it’s important to protect against cyber risks.
Professional Liability Insurance
Professional liability insurance can help pay for your defence costs if you’re found negligent in the professional services you provided to a client, even if you didn’t make a mistake.
Business Owner’s Policy (BOP)
A Business Owner’s Policy (BOP) combines business property and business liability insurance into one business insurance policy. Many small businesses choose to have a BOP as a simple and convenient way to bundle two important coverages into one.
Get Insurance Quotes for Public Liability Insurance
We’re backed by more than 200 years of experience and have helped over 1 million small business owners. We know how to meet your business’ unique needs and will help ensure you get the right type of liability insurance coverage that fits your business best.
Get a quotetoday and find out how we can help protect your small business.
Last Updated: November 20, 2023
1 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
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