What is public liability insurance?

When you're working on a job there are risks to you and other tradespeople, but also to the public. However much care is taken to manage hazards and make a working area safe, there is the chance that an accident could happen. Public liability insurance is designed to cover you and your business, against claims for injury or damage, from customers or members of the public.

Product features

  • Cover of £1 million, £2 million or £5 million
  • 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 up to £15,000)
  • Personal accident cover
  • Plus optional extensions and extras
  • Option to pay in monthly instalments

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 trades covered, including:
  • Plumbers
  • Builders
  • Electricians
  • Cover for multiple trades available

Why Trade Direct?

  • Over 30 years trading
  • Backed by Zurich insurance
  • Award-winning
  • Expert UK telephone support
  • Get a quick quote in under a minute

Do I need public liability insurance?

This is something you need to consider carefully. For any tradesperson it is important to assess how much of a risk their type of work poses to customers and members of the public. Whether customers or the public are on your premises, or if you're working on theirs, it’s important to think about the types of claim that could be made against you or your business. Could your business afford to pay a potentially significant claim? Self-employed public liability insurance can give you peace of mind in knowing that your business is covered in the event of a claim. 

How much does public liability insurance cost?  

We understand that price is an important factor - especially for small businesses, which is why we keep our policy premiums competitive. Our aim is to keep tradespeople covered against the sort of risks that could potentially stop them trading. The cost of a policy depends on a number of things, including the size of your business and what trade you carry out. To find out how much a policy would cost your business, get an online quote now or give us a call.

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

Essentials

Our quality Essentials liability product 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

Classic

Classic builds on Essentials 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 up to £15,000)

Plus

Our most popular package, Plus builds on Classic by 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 up to £15,000)
  • Personal Accident Cover (£400 a week for workers named on policy: can be increased up to £600 p/w)

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