Can I lower my Public Liability insurance premium?

Some insurance companies and policies offer a voluntary excesses, where you can opt to reduce the amount that would be paid in the event of a claim. This can discourage smaller claims from being made, and means that claims pay-outs can be lower, so the insurance company may charge less for the policy as a result.

Because you’re insuring your livelihood, we believe that the right cover is important, rather than the lowest price. You can choose from our Essentials, Classic or Plus cover, which include different levels of optional cover, but it is important that the amounts you choose reflect your needs. Should you choose a low level of cover, and need to claim a higher amount, the claim may be reduced or not paid.