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High-Risk Public Liability Cover

Working in a high-risk profession makes public liability insurance an essential investment. Whether you’re working as a scaffolding contractor, lift engineer, rubble remover, and everything in between, the potential for accidents is naturally amplified. Just one false move could lead to you or an employee falling from a height, causing serious injuries, while failing to adhere to safety standards could see you injuring a client or member of the public, or damaging their property. These circumstances can result in expensive compensation claims being made against your business, putting its very existence in jeopardy. However, with high-risk public liability insurance, the insurance provider will cover these costs on your behalf. This lets you run your business uninhibited by fears of any financial repercussions from any accident.

Standard public liability cover is offered up to £5 million. This protects both you and your business if a member of the public is injured or their property is damaged as a result of your negligence.

High-Risk Insurance: What can be included in your policy?

To ensure you receive the best possible cover for the most affordable price, you’ll find everything you may possibly need in your policy, including:


  • Public & Products Liability up to £5 million
  • Employers Liability at £10 million
  • Contractors All Risks Insurance which provides cover for
    • Contract Works
    • Owned Plant
    • Hired-in Plant
    • Employees’ Tools
  • Essential Legal Expenses at £100,000
risky tradesman insurance

What is high-risk insurance?

High-risk liability insurance simply provides cover for businesses which are considered more dangerous to those doing the work. Those who run companies in areas like welding, pest control, and steel erection encounter more hazards than the average tradesman. So what qualifies as high risk insurance? Most of these high-risk professions either involve working from height or being exposed to dangerous materials, heat or fumes, and this hugely increases the possibility of accidents. For instance, not only could somebody fall from high up and injure themselves, but there’s also a greater chance of property damage, should you or an employee drop work materials from height. This could lead to members of the public, or customers, taking legal action against you, which is when high-risk insurance cover becomes a life-saver for your company.

Why do you need high-risk insurance?

Considering how dangerous your job is, most insurers are reluctant to cover those in your profession, believing it not to be worth the risk. Quite simply, the riskier your work is, the more likely they’ll have to pay out. As such, many companies in high-risk industries are forced to settle for inadequate coverage that doesn’t give them the protection they need. You can use our quote tool to find tailored insurance packages from leading insurers for those in high-risk professions. Regardless of what you do, high-risk liability insurance will take the unique dangers of your profession into account, safeguarding your business by offering comprehensive cover to match.

high risk trade insurance

How our high-risk insurance works

1 Apply Online

Complete the online quote form on our business insurance website – Brisco Business Insurance

2 Compare Quotes

Get instant quotes from our panel of insurers and choose the one that’s right for you

3 You’re insured!

Instantly activate your Brisco Business Insurance policy and view your certificates online

Compare quotes Provided by Brisco Business
Pressure cleaning insurance

High-risk insurance for all kinds of businesses and tradesmen

As well as typical tradesmen such as welders, property developers, and safe installers, high risk liability insurance can provide cover for all types of high-risk professions. Whether you’re a security guard, lift engineer, or a tent & marquees hirer, we will be more than happy to find you a quote that gives you the coverage you need. Get in touch for a tailor-made package today.

Some High Risk Trades We Cover

High-Risk Insurance: Frequently Asked Questions

How much is high-risk insurance?

To compare quotes from leading insurers for high-risk insurance, we will need information about your business, such as what you do, how many people you employ, the scope of your projects, and when your company was established. All of this will affect the final price of your policy, as will the total number of additional covers you choose and the level of insurance you require.

How long does high-risk insurance last?

Most insurance policies are typically valid for a year, with the option to renew annually. Should a third party make a claim against you, it’s critical that you retain proof that your cover was active at the time of the incident, so take good care of your insurance documentation.

Is high-risk insurance a legal requirement?

No, high-risk liability insurance on the whole isn’t legally required. However, certain covers are mandatory by law, such as employer’s liability insurance, which you’ll need if you employ any staff. That said, covers like public liability insurance are still hugely beneficial to your company, even if there is no requirement for you to have them.

This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
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