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In partnership with Who's Best

Who's Best help Sussex based tradespeople fill their diaries with local jobs. We're happy to work with them to ensure their members have the right insurance cover.

  • Up to £5 million Public Liability cover for your business needs
  • 24 hour tools cover available
  • Get £50 cashback from us when you buy a van insurance policy too!

Get a Quote

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Save on your Public Liability Insurance this year GUARANTEED

  • We GUARANTEE to SAVE you up to 20% when you join us*
  • Just get a quote and if we’re not already cheaper, we’ll beat your current renewal price by up to 20%!

*At least 10% of eligible customers will achieve the full 20% saving against their current renewal. Terms & conditions apply - see below.

What is Public Liability Insurance?

When you're working on a job there are plenty of potential risks and hazards - not just to you and other tradespeople but also to the public. From tools and materials left lying around to exposed work areas close to the public, there is always the chance of an accident. 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 secondary trades available

Why Trade Direct?

  • 150,000 customers so far
  • Over 30 Years Trading
  • Backed by Zurich insurance
  • Award winning
  • Expert UK telephone support
  • Quote and cover in less than 5 minutes

Public Liability Insurance cover options

In general

Public liability insurance will cover you for 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)

Never Stop Saving with Trade Direct Insurance

Save when you join us

By switching your Public Liability policy to us, we guarantee to save you money on your current renewal price, on like for like cover. Acceptance criteria and terms & conditions apply

Save with special offers

All Trade Direct Insurance customers have access to special discounts on a range of products. From tools to materials to services, you can save money all through the year with our partner benefits.

Here’s how it works