Public Liability Insurance Calculator
Enter turnover, the rate per thousand and any loadings.
Total annual premium
β
Enter values above
Premium before fees
β
Turnover element
β
Location loading
β
Broker fee
β
Cost per $1,000 of turnover
β
Worked example
With the default inputs shown below, this calculator returns the following results:
| Input | Value |
|---|---|
| Annual turnover ($) | 1500000 |
| Rate per $1,000 of turnover ($) | 1.2 |
| Base premium ($) | 350 |
| Number of locations | 2 |
| Loading per additional location ($) | 120 |
| Broker or arrangement fee (%) | 15 |
| Result | Value |
|---|---|
| Total annual premium | $2,610.50 |
| Premium before fees | $2,270.00 |
| Turnover element | $1,800.00 |
| Location loading | $120.00 |
| Broker fee | $340.50 |
| Cost per $1,000 of turnover | $1.74 |
Values shown are produced by this page in your browser; change any input to update them.
How to use the Public Liability Insurance Calculator
- Annual turnover ($) β default 1500000
- Rate per $1,000 of turnover ($) β default 1.2
- Base premium ($) β default 350
- Number of locations β default 2
- Loading per additional location ($) β default 120
- Broker or arrangement fee (%) β default 15
- Press Calculate to update the results instantly.
Frequently asked questions
Because exposure grows with the number of customers and visitors on your premises. Insurers charge a rate per thousand of turnover on top of a base premium.
You still need cover, but the rate is lower because fewer people visit your premises. Make sure the policy explicitly includes work away from your business address.
Only modestly for standard risks β moving from $1m to $5m often costs 10β20% more, which is worth paying if a client contract requires the higher limit.