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"Insurance At Trade Prices"
Over 40,000 customers have chosen Trade Direct
Over 30 years trading
Expert UK telephone support available
Quote and cover in less than 5 minutes

Public Liability Insurance

Get Public Liability cover with us including:
Up to £5m Public Liability Insurance
£1k Tools cover with our Classic Public Liability insurance
£400 Personal Accident cover per week with our Plus Public Liability insurance
Terms & Conditions, exclusions apply.

On The Tools' Best Insurance Provider 2017

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards for the second year running.

On The Tools is the largest online community of tradespeople in the UK, and we couldn’t be prouder to provide them with support and cover.

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What is Public Liability insurance?

Public Liability insurance helps to protect your business if a client or a member of the public suffers personal injury or property damage as a result of your business and its activities. Your business may be doing everything right, but there’s always the chance an accident may happen. With the correct level of cover, you can rest assured that, even if the worst should happen, you’re properly covered.

What cover can I get?

Optional extensions availableOptional extensions including Employers Liability, Stock, Contract Works, Owned Plant and Hired in Plant

Personal Accident and Jury Service cover availablePersonal Accident and Jury Service cover extensions available (subject to product selected)

Tools cover availableTools cover with 24 hour protection available

Cover of £1M, £2M or £5M availablePublic Liability cover of £1M, £2M or £5M available

Who do we cover?

We cover all types of businessesWe cover Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships

Covering over 70 tradesWe cover over 70 trades in the building and construction industry

Cover for additional trades availableCover for an additional, or secondary, trade is available

Cover up to 15 employeesYou can insure a total of up to 15 employees or trainees

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What does it cover?

Business liability insurance is designed to pay the legal costs and any compensation payments that your company could be liable for should you or one of your employees cause damage to property, or injury to a person in connection with your business. In the construction and trade industries, the instances where property damage or personal injury can occur are numerous.

As a tradesperson, you are likely to be working either in the home or business premises of a client, or on a construction site. With plant, hand and powered tools, machinery and construction materials all potentially on site, there are many events that could give rise to a claim against you.

The insurance may cover you for incidents that occur at your premises, at a client’s site such as their home, or on a construction site. A customer slipping or tripping on your construction site is one of the most common claims, and helps to explain why so many businesses have Public Liability cover, as even seemingly innocuous accidents can lead to large claims and serious injuries.

Generally speaking, Public Liability covers:

Compensation payments for a third party injury (or potentially death)
Coverage of medical fees for a third party
Medical fees while you defend claims
Repairs or replacements of property or possessions for the third party

The amount you’re covered for varies depending on your policy, so if you’re considering Public Liability cover, getting a quote with us can be the best way of discovering the true cost at the level of cover required for your business.

Do I need Public Liability insurance?

Public Lability insurance suits a business that has visitors on its premises or works on other people’s premises — as most builders, plumbers, electricians, painters and decorators, carpenters, and kitchen & bathroom installers do.

Like other insurances, it is something of a trade-off between what you hope is the unlikely event of a claim against you, versus the potentially life-changing financial impact of a claim if you’re not insured. Only you can make this decision.

This is why we understand that if you’re looking for cover, cost will be a major consideration. However, there’s no obligation to buy when you get a Public Liability insurance quote with us, so you can make an informed choice without pressure.

Is Public Liability insurance legally required?

A public liability policy isn’t required by law in Great Britain, Northern Ireland the Channel Isles or the Isle of Man – other than in some rare circumstances.

It may not be compulsory under UK law, but it may be required by your client contracts. In addition, in some industries, some businesses may be obliged by their regulator or membership body to take out a certain level of business insurance.

However, generally speaking, when it comes to trade business insurance, the only insurance that is required by law is Employers’ Liability insurance (if you have employees), though if you have a vehicle, car or van insurance is also a legal requirement.

How much cover do I need?

We offer 3 levels of cover - Essentials, Classic and Plus - underwritten by major insurer Zurich. This policy is designed to offer protection for tradesmen in the construction industry. The 3 levels are:

Essentials is a quality liability product with Public Liability limits of £1M, £2M or £5M, covering businesses with up to 15 employees, and a turnover up to £3M. If you have employees, £10M of Employers’ Liability cover is automatically included, which also includes 100 days of Temporary Employee cover. If you have more than 15 employees or an annual turnover greater than £3M, please ring us.

Classic extends Essentials cover by including £1,000 of tools cover for the first employee, which can be increased to £15,000, as well as Professional Indemnity cover of up to £100,000 to help cover your professional advice.

Plus cover builds on Essentials and Classic by including Personal Accident, designed to pay a weekly sum if you are unable to work as the result of an injury sustained at work.

How much is it?

We understand that for a business looking for Public Liability insurance, cost will be a key consideration.

The cost of Public Liability insurance will vary from business to business. A number of factors go into generating your Public Liability insurance policy, including the size and nature of your business. The important thing is to provide accurate information when getting a quote so that your business is properly covered. That way, you know your policy is worth the price. You can get a quote with us with no obligation to buy.

Any other questions? Visit our FAQ or give us a call on 08000 280 380


Our FAQs are designed to answer some of the questions you may have on our Public Liability cover. Click here for more information.

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Our exclusive public liability policy for tradespeople is underwritten by Zurich, one of the world’s largest insurers.

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Why choose Trade Direct Insurance

Over 40,000 customers insure with us
Over 30 years experience insuring trades
A Zurich product for peace of mind
Up to 10% No Claim Discount (with 2 years claim free)
Quality cover at a great price
Quick quote in 60 seconds
Option to pay via instalments (Trade Direct is a credit broker and not a lender)

On The Tools' Best Insurance Provider 2017

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards for the second year running.

On The Tools is the largest online community of tradespeople in the UK, and we couldn’t be prouder to provide them with support and cover.