There are three factors that determine how much public liability insurance will cost. These are the type of business, your turnover or sales, and the amount of public liability inurance you require. Lower risk businesses, such as florist shops, would pay less. Businesses with higher turnover will pay more. A public liability policy with a limit of indemnity of $2m will cost less than one with a $10m limit of indemnity. Our public liability insurance starts at $450 a year for $2m limit of indemnity. That works out to be less than $10 a week.