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Public Liability Insurance

Join over 40,000 trade and construction customers who protect their businesses against unforeseen risks and costs

up to £5M Public Liability cover for your business needs
24 hour tools cover available

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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Flexible levels of Public Liability cover

We offer 3 levels of Public Liability insurance 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 £1.5M. 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 £1.5M, 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 £50,000 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.

A range of Optional Extensions

To further extend your policy you can add Jury Service cover (designed to pay the policyholder £250/ day for 10 days while performing Jury Service, and £50/ day thereafter), Stock in Trade & Transit (available with Tools cover), Contract Works, Owned Plant and Hired in Plant. There are also trade specific extensions available, such as Electrical Contractors Wiring Certification.

To get a quote for Tradesman’s Public Liability insurance cover, please either click here for an online quote, ring our helpful and knowledgeable team on 08000 280 380, or choose your trade from the list above.

Insuring against the unexpected

However careful and prepared you are, accidents can happen, and the financial implications can be significant for you and your business. Public 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. Unfortunately, there are many other instances where you can sustain a financial loss: Your tools may be stolen, you could suffer a workplace injury and cannot work as a result, owned or hired-in plant may be stolen, or you may be required to perform jury service. With the right insurance in place, the financial impact of such events should be lessened. Help protect yourself by choosing quality business insurance.

A quality Public Liability product

You won’t find our Public Liability product anywhere else. It has been developed specifically for us, and is backed by Zurich – a major name in the insurance industry. The combination of covers available, the limits that you can choose and the locations covered can’t be found anywhere else. Our product and service are a hard to beat combination.

A name you can trust

At Trade Direct, we’ve been insuring tradesmen and businesses for over 30 years, so we know a lot about the insurance needs associated with the building and construction industry. We insure over 70 different trades and professions, and we have over 40,000 customers who have chosen us for our quality product, first class service and trade prices. We’re proud of our customer service, and are available from 08:00 to 20:00 Monday to Thursday, and 08:00 to 18:30 on Friday, so you can organise your insurance at a time that suits you.

Why do I need Public Liability insurance?

You and your company may be financially liable for the result of an accident caused by you, your company or a contractor either at your premises or elsewhere. Public Liability claims can be very expensive, which could have a major impact on you or your business. As well as giving you peace of mind, many companies and trade associations require evidence of Public Liability insurance.


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 2016

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards 2016.

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

Trades Covered