For property professionals, landlords, and small businesses operating in London, general liability insurance (often called public liability insurance in the UK) is a critical safeguard. It protects against third-party claims for injury, property damage, or legal costs resulting from your business activities.
However, knowing how to obtain the right general liability insurance quote — and how to interpret it — can make the difference between sufficient protection and costly exposure. At Fraser Bond, we help clients across the property and service industries understand coverage options, review insurer reliability, and align their policies with the specific risks of the London market.
General liability insurance provides cover for:
Third-party injury – for example, a tenant, client, or visitor is hurt on your premises.
Property damage – accidental damage to someone else’s property while performing work.
Legal defence and settlement costs – if a claim is brought against you.
Product or completed-operations liability – if goods or services cause loss or damage after work is finished.
For London landlords, agents, and contractors, it is a cornerstone of responsible business practice and is often a prerequisite in leases, tenders, or management contracts.
When you request a quote from an insurer or broker, you’ll typically receive a summary including:
Policy Type & Coverage Scope – confirming it includes public liability (and sometimes products or employer’s liability).
Indemnity Limit – commonly between £1 million and £10 million, depending on business scale and contractual requirements.
Excess – the amount you must pay per claim before insurance applies.
Business Description – the nature of your activities (e.g., property management, cleaning, contracting).
Territorial and Jurisdictional Limits – confirming whether the cover extends across the UK or internationally.
Premium & Payment Terms – annual, monthly, or direct-debit options.
Review these details carefully — especially the indemnity limit and business description, which determine whether claims will be accepted.
To obtain the most accurate and competitive quote, Fraser Bond recommends following these steps:
Define your business activities clearly – be specific about what you do, where, and for whom (e.g., property maintenance, lettings, investment management).
Gather relevant information – annual turnover, number of employees, claims history, and locations of work.
Compare multiple providers – request at least three quotes to evaluate coverage scope and exclusions.
Check insurer reputation – choose UK-regulated insurers (e.g., Aviva, AXA, Hiscox, Zurich) with strong financial ratings.
Review exclusions – ensure cover includes all typical exposures (e.g., accidental damage, client site visits, high-value property).
Assess contract requirements – landlords and developers may require minimum cover (often £5 m for London sites).
Seek professional guidance – a property-focused adviser such as Fraser Bond can help ensure your insurance aligns with compliance and portfolio risk.
Several major UK insurers and brokers offer online quoting tools, including:
AXA UK – provides quick quotes and flexible cover limits for SMEs and property firms.
Hiscox – tailored business liability quotes with transparent terms.
Simply Business – aggregates quotes from multiple UK insurers for comparison.
Aviva – offers commercial packages combining public, employers’, and professional liability.
Zurich UK – for larger property or facilities-management operations.
Quotes can usually be generated in minutes, but always confirm the policy wording and ensure it reflects your business model and risk exposure.
While comparison sites provide speed, Fraser Bond adds strategic insight.
We help clients interpret quotes, highlight hidden exclusions, and ensure insurance aligns with their property obligations, contractor relationships, and investment portfolios.
Our support includes:
Reviewing and verifying insurer documentation.
Ensuring coverage meets lease or compliance requirements.
Coordinating with brokers for bespoke cover where standard quotes fall short.
Integrating insurance into your overall property-risk management strategy.
With our London market expertise, we ensure every quote represents real protection — not just a policy number.
Before you buy, make sure your general liability insurance quote truly covers your property and business risk.
Visit FraserBond.com or contact our London advisory team for expert assistance reviewing quotes, comparing insurers, and ensuring full compliance with UK property standards.
