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A public liability insurance quote helps determine the cost of this type of an insurance coverage for your business. The main pieces of information required, to get either an online or offline quote are business type or category, number of employees and details about business activities.

Most commonly required pieces of information are:

1. The type or category of business for which you are seeking a quote.

2. For a public liability insurance quote, the second important thing you have to indicate is the type of incorporation of your business (i.e., limited company, sole proprietorship, partnership etc).

3. Indicating your estimated annual revenues of your business, for example the gross amount of receivables in respect to sales and services provided to your clients.

4. Stating whether you have any past incidents or claims brought against your business. If yes, provide the dates, claim amounts and circumstances of the claims.

5. Indication whether your place of business is considered heavy-duty commercial or industrial. For example machine shops, manufacturing plants, etc.

6. Indicate whether there are any subsidiary companies which have to be included.

7. You are required to select public liability and product liability insurance on your quote application. Product liability is coverage in the event any of your business’s products causes damage to third party members. Public liability insurance covers you in the a third party suffers damages on your premises.

8. You must also clearly state the maximum number of employees working for you business in order to calculate your premium. You also need to state the number of directors, partners, employees, clerical employees, and clerical partners.

9. Any prior claims or past incidents which may lead to a claim being filed are also to be included. Incidents related to occupational conditions or diseases (lung cancer, asbestos related diseases, deafness, dermatitis etc) are commonly required. A claim is a policyholder’s seeking settlement under the policy terms.

10. Indicate the date when you want the coverage to start. Most insurers will require up to a 30 days in order to be able to provide a public liability insurance quote.

If you are completing an online quote, you will usually be able to receive a quote confirmation immediately to your email account. You are not obligated to anything by completing and submitting a quote application. The quoted premium is a rough estimate and may be a little higher or lower if you decide to move forward. When you do decide to move forward, you will go through the details of your quote application with a representative of your potential insurer.

It is a good idea to get a multiple quotes from different insurers online. This will speed up the process and allow you to secure an affordable premium from a reputable insurer for your business or your home.