The short version
- 'From' prices reflect the cheapest slice of customers.
- Roofers and scaffolders will rarely see them.
- Insurers should publish typical prices by trade.
Nobody is lying. The footnotes are there. One well-known provider says 10% of its customers paid £64.78 or less a year.1 So nine in ten paid more.
Yet the number that sticks is 'from £5 a month'. A roofer searching late at night sees it and assumes they are being overcharged when the real quote comes in.
What would actually help
Publish the median, by trade. Tell a scaffolder what the middle scaffolder pays. It is not a complicated request, and the data already exists.
Until then, ignore the headline. Get three quotes with identical details, and compare them properly.
Sources
- Public liability insurance, Simply Business. Accessed 11 November 2026.
General information only. This is not legal, insurance or financial advice. Your own policy wording decides what is covered.