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Whether you're a plumber, cleaner, dog walker, or carpet cleaner. PLI ensures you're protected in case a third party is injured or property is damaged because of your business activity.
Choosing the right PLI isn’t just about meeting minimum requirements; it’s about protecting your business cost-effectively. Start with comparison tools, get quotes tailored to your industry, and leverage real-world peer experiences.
(please note, these are examples for all services)
Where to Look (insurers offering £2 million+ coverage)
| Provider | Starting Monthly Cost | Notes |
|---|---|---|
| Simply Business | From £4.95/month (for £2 m PLI) | 10% of customers paid up to £59.34/year (~£4.95/month) Simply Business UK |
| Qdos Contractor | From £4.58/month | Covers £1 m, £2 m, £5 m, £10 m PLI—fast, online quotes Qdos |
| Suited | From £5.29/month (flexible PLI across UK) Suited+1 | |
| Hiscox UK | From £5.50/month, up to £10 m cover Hiscox+1 | |
| AXA UK | From £5–£5.27/month depending on occupation and risk AXA+1 | |
| Markel Direct | From £5/month for £1 m cover; £2 m might be higher Markel UK+1 |
Bottom line: Ready-to-buy £2 million PLI can start from about £5/month, depending on provider, risk profile and the service you offer.
Next Steps & Tips
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Use comparison portals like Simply Business to quickly preview quotes.
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Request tailored quotes from Qdos, Hiscox, AXA, Suited, and others.
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Ask about optional extras—some bundlers include PI, employers' liability, tool cover, or legal cover.
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Check client/contract requirements—some sectors require higher limits (e.g. events, local authorities).
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Review Reddit experiences—professionals often share practical, budget-conscious insurance recommendations.
