PUBLIC LIABILITY INSURANCE
As someone in the trade, you face all sorts of risks on the job every day. You never know when something might go wrong.
for a simple price of
Rated 4.8 out of 5| reviewsWhat is public liability insurance?
Public liability insurance helps protect your trade business if someone is injured, or their property is damaged, because of what you do. Whether you're working as a plumber, electrician, or carpenter, having this insurance can give you peace of mind knowing that you're covered if accidents happen.
If your trade business often deals with clients or the public, it's a good idea to get public liability insurance. Even though it's not required by law, some customers prefer if you have it before starting a job, and might even ask for proof. When you purchase your policy from TradesmanInsure, you'll receive a 'Confirmation of Liability Insurance' document, which shows that you're properly covered. This way, you can take on jobs with confidence, knowing you've got the cover you need.
Who needs public liability insurance?
Trade businesses that operate in public spaces, have visitors on their premises, or deal with clients or customers, should consider taking out public liability insurance. This is because there's always a risk of causing injury or property damage, and facing costly legal action as a result.
Imagine you're an electrician, and the wiring you installed ends up causing a fire. In this case, you would be held responsible for the damage and may face a claim made against you. Public liability insurance can cover these kinds of scenarios, ensuring that you're not left out of pocket should the worst happen.
What trades do we cover?
Here at TradesmanInsure we offer public liability insurance to a wide range of trades such as:
What’s covered by public liability insurance?
At TradesmanInsure, our public liability insurance covers:
Third party injury claims – compensation costs when members of the public or customers are injured due to your work activities
Property damage – costs to repair or replace third party property damaged during your work
Legal defence costs – solicitor fees and court costs when defending against public liability claims
Emergency clean-up costs – immediate costs to clean up after accidents that could cause further damage or injury
What does public liability not cover?
Damage to your property Public liability insurance does not cover damage to your own property, only to the property of others.
Personal accidents Should you be unable to work due to injuries sustained whilst on a job, public liability insurance will not provide cover. However, our occupational personal accident insurance may offer income support during your recovery.
Employee injuries and illnesses If an employee makes a claim against you due to an injury they have sustained or an illness they have developed as a result of their work, public liability insurance will not provide protection. Employers are legally required to have employers’ liability insurance for those situations.
Do I need public liability insurance?
Even though having public liability insurance isn’t a legal must-have, there are plenty of reasons why tradespeople should consider getting this cover:
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It allows you to meet contract requirements. Certain clients will want you to have this cover in place before you even begin the job.
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If you’re looking to sign up with a professional body, you can find that they need this type of insurance.
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Public liability cover can protect your finances if a claim comes your way. Accidents are unavoidable sometimes, so if you accidentally damage someone’s property, public liability insurance can cover these costs.
How much does public liability insurance cost?
Your policy price will depend on a variety of factors that are specific to your business. These are commonly:
Trade – If you work in a low-risk trades, for example carpentry or gardening, usually your premium will be lower than a plumber or builder as these are higher risk.
Size of business - If you have a high business turnover or have employees, this would increase your premium price as there are more people you are needing to cover.
At TradesmanInsure, our public liability insurance policies start from £7* a month and offer cover between £1 million and £5 million to suit your specific trade’s needs. To find out how much you would pay, get an online quote now.
*Price based on a handyman requiring £1 million of public liability insurance
What level of cover should I choose?
Check to see if your clients have specific requirements for the amount of public and product liability insurance you need. This can give you a good starting point.
If they don’t have any particular demands, it’s smart to think about the worst-case scenarios that could happen and the potential costs involved. Consider not only the expense of defending against a claim, but also the compensation you might need to pay to fix any mistakes. This way, you can pick a cover level that makes you feel secure, knowing you’re well-protected against any mishaps that might come your way.
Public liability insurance frequently asked questions.
How to get public liability insurance
To get a quote, fill out our quick and easy online form. Just answer a few questions about your trade business and get a custom quote in no time.
You can spread the cost of your insurance over 10 interest free monthly payments, or you can just pay it all at once.
Why choose TradesmanInsure?
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4.8/5 customer rating on Feefo. With over 4500 reviews, you don’t have to take our word for it.
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25+ years’ experience of insuring tradespeople. So you can rely on us to provide the insurance you need.
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Easy online cover. Receive a tailored quote for your trades business in 90 seconds by filling in our quick and easy quote form.
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24/7 legal advice. You can access expert information and guidance with our legal advice helpline, whenever you need it.