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<h1>Buy peace of mind today with <strong>Public Liability insurance</strong></h1>

Buy peace of mind today with Public Liability insurance

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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. In this video, the first of our Public Liability Explainer series, we answer the question ‘What is public liability insurance?’.

Product features

  • Public liability cover of up to £5 million
  • Professional indemnity cover available
  • Cover for financial loss
  • Accidental death cover
  • Tools cover 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
  • Up to 15 employees
  • Businesses with turnover up to £3 million
  • Single and multiple trades

What trades do we cover?

  • Over 70 recognised trades covered
  • Plumbers Insurance
  • Builders Insurance
  • Heating & Gas Engineers Insurance
  • Electricians Insurance
  • Painters and Decorators Insurance
  • Cover for multiple trades available

Why Trade Direct?

  • Save 10% with B&Q TradePoint
  • Backed by Zurich, who pay 99% of claims
  • Feefo™ Platinum Trusted Service Rated
  • Expert UK telephone support
  • Specialists in Tradesman Insurance

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.

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Your cover options


Our Essentials package includes Public Liability insurance and cover for Financial Loss.

  • Public Liability insurance up to £5 million
  • Employers' Liability insurance £10 million
  • Financial Loss £100,000


Our Classic package builds on Essentials by offering Professional Indemnity cover as well as Accidental Death and Tools cover.

  • Public Liability insurance up to £5 million
  • Employers' Liability insurance £10 million
  • Professional Indemnity cover £100,000
  • Financial Loss cover £100,000
  • Accidental Death cover
  • First £1,000 of Tools cover (can be increased to £15,000)


Our most popular option, the Plus package builds on Classic by adding Personal Accident cover, which can be increased based on your needs.

  • Public Liability insurance up to £5 million
  • Employers' Liability insurance £10 million
  • Professional Indemnity cover £100,000
  • Financial Loss cover £100,000
  • Accidental Death cover
  • First £1,000 of Tools cover (can be increased to £15,000)
  • Personal Accident cover up to £600 a week per person


Looking for extra insurances for your work? We have a list of optional extras to give you the cover you need:

  • Contract Works
  • Owned Plant
  • Hired in Plant
  • Jury Service cover
  • Tools cover (from £1,000 to £15,000)
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Trade Direct Insurance Services Limited (company number 1580129). Registered office Mill Pool House, Mill Lane, Godalming, Surrey, GU7 1EY. Trade Direct Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA), firm registration number 307734. You can check this by visiting the FCA website at www.fca.org.uk/register or by contacting the FCA on 0800 111 6768

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