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Quality public liability insurance from Trade Direct

Very competitive price and easy to use site. Nice layout, easy to complete. Highly recommended.

Stuart Kohon
Trade Direct Feefo Platinum Trusted Service Award 2020 Wide

What is public liability insurance?

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.

Product features

  • 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

Who do we cover?

  • Sole traders
  • Contractors
  • Partnerships
  • Limited companies
  • Limited liability partnerships
  • Insure up to 15 employees

What trades do we cover?

  • Over 70 recognised trades covered
  • Plumbers
  • Builders
  • Electricians
  • and more
  • Cover for multiple trades available

Why Trade Direct?

  • Over 30 years trading
  • Backed by Zurich insurance
  • Award winning
  • Expert UK telephone support
  • Quote and cover in less than 5 minutes

Do I need public liability insurance?

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. 

How much is public liability insurance?  

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. 

Get a Quote

Public liability insurance cover options: 

In general

Public liability insurance will cover you the following. Please note that the amount your are covered for will vary on your policy. 

  • 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 best place to start is our Essentials package. Our quality liability product also includes basic indemnity insurance and cover for financial loss.

  • Public liability insurance of £1 million, £2 million or £5 million
  • Covers businesses with up to 15 employees
  • Covers businesses with a turnover of up to £3 million
  • £10 million of Employers' Liability cover included (for companies with employees)
  • 100 days of temporary employee cover included (for companies with employees)
  • Professional indemnity insurance
  • 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. 

  • Public Liability Cover
  • 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)


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. 

  • Public Liability Cover
  • Professional Indemnity Cover (Up to £100,000)
  • Financial Loss Cover (Up to £100,00)
  • Accidental Death Cover
  • First £1,000 of Tools cover (can be increased to £15,000)
  • Personal Accident Cover (£400 a week for workers named on policy)

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