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Sadly, accidents do happen. None more so than for tradespeople. When you're working on a job, there are risks and hazards everywhere, not just to you and other tradespeople, but also to the public. From tools and materials left lying around to exposed work areas in close proximity to the public, the chances of a trip, fall or collision are not only greater, but also potentially more harmful. Public liability insurance is designed to protect you and your business against claims from customers or members of the public.
Cover of £1 million, £2 million or £5 million available
Professional indemnity cover (up to £100,000)
Financial loss cover (up to £100,000)
Accidental death cover
First £1,000 of tools cover (can be increased to £15,000)
Personal accident cover
Plus optional extensions and extras
Now you know what it is, you need to consider whether public liability insurance is right for you. For any tradesperson, consider how much of a risk your type of work poses to customers and members of the public. Whether they're visiting your premises, or you're working on their premises, ask yourself, should a customer or member of the public make a claim against you, can you and your business afford to pay the potentially life-changing financial consequences? This is where public liability insurance helps.
For any tradesperson, cost is going to be key. Rest assured, the cost of having public liability insurance far outweighs the cost of not having it, should you end up having to pay the claimant a potentially large sum of money. The cost of a policy will actually vary depending on the nature and the size of your business. The best thing to do is to get a free no-obligation quote. Make sure you provide us with accurate information, so you know your policy is worth the price.
Public liability insurance will cover you the following. Please note that the amount your are covered for will vary on your policy.
The best place to start is our Essentials package. Our quality liability product also includes basic indemnity insurance and cover for financial loss.
Our Classic package builds on the Essentials package by offering greater Indemnity Cover and Financial Loss, as well as Accidental Death and Tools Cover.
Our most popular package, the Plus package builds on the Classic package by further adding Personal Accident Cover for the policyholder, which can be increased based on your needs.
Got a specific question on public liability insurance? Find out everything you need to know, including what it's designed for, the levels of cover, plus much more.
Get covered with comprehensive, third party only or third party fire & theft van insurance. Check out our cover options, features and benefits.
Tools are your livelihood, that's why we offer standalone cover just for your tools. Also a great addition to any existing policy, with tools insurance you can extend your cover up to £15,000.
When you're not working, you're not earning. So what happens when you can't work due to sickness or an injury? That's where Personal accident & sickness cover helps.