The average cost of basic liability business insurance for a small enterprise in the UK generally ranges between 220 and 350 pounds per year for simple baseline packages covering public liability. Entry-level policies focusing strictly on minimal public liability can sometimes start as low as 5 pounds a month for low-risk professions like consultants or sole traders. However, comprehensive multi-peril commercial policies that incorporate employers' liability, professional indemnity, equipment breakdown, and business interruption protection frequently scale from 400 to over 1,500 pounds annually depending on business complexity and industry risk factors.
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