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.

 

Each small business is unique. Your public liability insurance cost will vary based on several factors, including your:

 

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 $68.**

 

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.

 

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 a certificate 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.

 

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 helps protect your owned or rented building premises, tools and the equipment you use to operate.

 

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 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, 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 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.

 

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.

 

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 quote today and find out how we can help protect your small business.

 

 

Last Updated: April 11, 2025

** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.