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.

Usually, for a public liability insurance quote, you will need to:

1. Indicate your business type.

2. For an 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. Indicate an estimate of the annual turnover of the business. The annual turnover is the total amount of receivables against goods and/or services sold.

4. For a liability insurance quote, it is necessary to provide details about any prior claims in the past. Also, details about any incidents that may result in a claim being filed are also mandatory. In case of prior claims, you will also have to furnish the dates, circumstances and amounts also.

5. Indicate whether you carry out work in a commercial or industrial zone apart from your office or shops.

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. Indicate the maximum number of workers so that the insurer can calculate the premium. The number of directors/partners, number of clerical partners, and clerical employees, all need to be specified.

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. The starting date of coverage is needs to be provided for a quote. A 30 day period is what most insurance providers will be able to provide a quote for.

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.

The best thing to do is to do a cost comparison of insurance providers online. This way, you will be able to get yourself the best and reasonably priced public liability insurance quote.

Ben Ashfalk is knowledgeable about public liability insurance quotes and public liability insurance policies.