Public Liability Insurance in Cyprus
Protect your business against third-party injury and property damage claims. Compare quotes online, no phone call needed.
Not legally required for most businesses, but contractually demanded by many clients. Mandatory for holiday rental operators under Law 34(I)/2019. One claim from an injured customer can cost tens of thousands.
Why DigiCare
Why businesses choose DigiCare for public liability
Compare & Save
We're an independent insurance agency. We compare rates from multiple licensed Cyprus insurers on your behalf. You're not locked into one company's price.
Same-Day Certificate
Submit your details online and we'll get your insurance certificate to your inbox the same day.
Bundle Discounts
Add public liability to your employers' liability policy and save up to 25% on the combined cover. Most of our business clients do this.
3-Language Support
We speak English, Russian, and Greek. Every document, every call, in your language.
How much does public liability insurance cost in Cyprus?
I get asked this daily, so here are real numbers. A standalone public liability policy in Cyprus runs around €250 per year on average. Already have employers' liability? You can bolt on PL cover from just €50 per year. What you'll actually pay depends on your business type, turnover, headcount, and how much foot traffic your premises see.
| Your Business | Estimated Annual Premium |
|---|---|
| Small office or consultancy | €150-250 |
| Retail shop or cafe | €200-350 |
| Restaurant, hotel, or bar | €300-500 |
| Construction or trades | Quote required |
| Add-on to existing EL policy | From €50 |
Premiums shown are indicative figures based on publicly available broker market data (Pitsas Insurances). Actual rates depend on your insurer, business profile, and risk assessment.
Public liability insurance calculator
Pick your trade, enter your turnover and headcount, and you will see the annual premium for all seven cover limits from €10,000 to €1,000,000 — no phone call, no email gate. Switch to the Employers' Liability tab to price the cover every Cyprus employer is legally required to hold.
General Information
Please answer all questions honestly and to the best of your knowledge. Failure to do so could affect your level of cover or any claims you make.
Insured Details
Questions
Please answer all questions honestly and to the best of your knowledge. Failure to do so could affect your level of cover or any claims you make. In the case an employer employs only one person, the employers liability cover will be limited to that specific person.
Premiums are calculated from live SoEasy rating tables for a 12-month single-payment policy and stay indicative until the insurer confirms cover. Quotes are available for annual turnover between €5,000 and €2,000,000.
Choosing your limit
How much public liability cover do you need?
Most Cyprus businesses buy a €500,000 public liability limit. €100,000 suits a low-footfall office, €500,000 is the level clients and landlords normally demand in contracts, and €1,000,000 is for construction, events and public venues. Because €250,000 and €500,000 cost almost the same, €500,000 is nearly always the better buy.
The limit is the maximum your insurer pays for one claim — legal costs included. Pick it from the contracts you sign and the number of people who come near your work, not from the premium. Here is what each limit costs and who it fits, taken from the same rating tables the calculator above uses.
| Cover limit | Who it fits | Indicative annual premium* |
|---|---|---|
| €100,000 | Home-based business, single consultant, low-footfall office | €300–€600 |
| €250,000 | Small shop, salon or café with modest turnover | €430–€860 |
| €500,000 | The most common choice — the limit landlords and commercial contracts ask for | €450–€900 |
| €1,000,000 | Construction, events, public venues, anyone working on a client's site | €650–€1,300 |
Look at the last two rows. Doubling the limit from €250,000 to €500,000 costs roughly €40 a year — about 5%. Paying €430 for €250,000 when €500,000 costs €450 is the most common mistake we see on Cyprus liability policies. Take the higher limit.
What if €1,000,000 is not enough?
Most Cyprus insurers stop the primary public liability policy at €1,000,000 per event. Larger exposures — a stadium or festival, a big construction site, a contract that names a €5,000,000 requirement — need an excess (umbrella) layer sitting on top: it only pays once the €1,000,000 underneath is exhausted. Because that layer is hit far less often, it costs less per euro of cover than the primary limit. Ask us to quote the layer together with the primary policy; the two are always arranged as a pair.
*Indicative range: the lower figure is a business with annual turnover under €100,000 and up to three staff; the upper figure is turnover of €200,000–€500,000. Both are calculated from the SoEasy rating tables used by the calculator on this page and stay indicative until the insurer confirms cover.
What does public liability insurance cover?
What's covered
Bodily injury to customers, visitors, and the public
Accidental damage to third-party property
Legal defence costs, even for unfounded claims
Premises incidents like slip-and-fall or falling objects
Operations away from your premises
Product liability (often included as an extension)
What's not covered
Employee injuries (that's employers' liability insurance)
Professional errors or bad advice (that's professional indemnity)
Motor vehicle liability
Intentional or criminal acts
Cyber-related claims
Gradual pollution and clean-up costs (that's environmental liability insurance)
Typical limits of indemnity
Policy limits are customisable, commonly set between €100,000 and €2,000,000 depending on your business. Holiday rental operators must carry a minimum of €100,000 under Law 34(I)/2019 (many insurers recommend €500,000+). If your contracts call for higher limits, we'll arrange cover to match.
Who needs public liability insurance in Cyprus?
Any business where a customer, visitor, or passer-by could get hurt or have their property damaged. It's not legally required for most businesses, but plenty of contracts and landlords won't let you operate without it.
Hospitality & restaurants
High footfall, higher risk. Slip-and-fall injuries, food poisoning claims, burns from hot surfaces. In our experience, restaurants and hotels typically pay €300-500 per year for this cover.
Construction & trades
Property damage on site happens more often than people think. Most developers and main contractors won't hire subcontractors without proof of PL cover. Premiums here are quoted individually because the risk profile varies so much.
Retail & shops
Customers tripping over displays, shelving units falling, broken glass. Moderate risk, moderate premiums in the €200-350 range.
Offices & professional services
Lower risk, but international clients and co-working spaces often want proof of public liability before signing a lease. A policy from €150 per year ticks that box.
Holiday rental operators
This is the one that catches people off guard. Under Law 34(I)/2019, public liability insurance is legally required. Non-compliance carries fines up to €5,000 and imprisonment of up to 1 year. Minimum coverage is €100,000.
How It Works
How to get public liability insurance in Cyprus
Tell us about your business
Share your business type, annual turnover, premises details, and employee count through our online form.
We compare quotes
We check rates across our panel of licensed Cyprus insurers and send you the best options side by side.
Get covered today
Pick your policy and receive your certificate and documents by email the same day.
Public liability vs employers' liability vs professional indemnity
These three get mixed up all the time, so here's the short version. Public liability covers claims from customers and visitors. Employers' liability covers claims from your employees. Professional indemnity covers claims from clients who say your advice or work was negligent. Most businesses need at least two of these, and we regularly set clients up with all three bundled together.
| Public Liability | Employers' Liability | Professional Indemnity | |
|---|---|---|---|
| Covers claims from | Customers, visitors, public | Your employees | Your clients |
| What it covers | Injury and property damage | Workplace injury and illness | Professional errors and omissions |
| Required by law? | No (except holiday rentals) | Yes (Law 174/1989) | Some regulated professions |
| Typical cost | From €250/yr | From €75/yr | From €650/yr |
Bundle public liability with employers' liability and save up to 25%. We arrange this daily for business clients across Cyprus.
Get a Combined QuoteRunning construction projects? See Contractors All Risk Insurance for cover on the works themselves.
Handling fuel, chemicals or waste, or working close to a watercourse or borehole? See Environmental Liability Insurance for the clean-up and statutory remediation costs a public liability policy usually leaves out.
Business Insurance Cyprus →FAQ
Frequently asked questions
If your business makes, imports, supplies or installs a product, that risk sits on a separate policy section: see product liability insurance in Cyprus for the limits, the premiums and what the law makes you answerable for.
Protect your business before the next claim hits
One slip-and-fall. One broken window. One injured visitor. That's all it takes. A single uninsured claim can cost your business tens of thousands of euros in legal fees and compensation.