Liability insurance with coverage starting at £59*per year
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Compare QuotesIn this age of compensation claims and litigation, small businesses can find it hard to stay afloat. Even a simple accident like nailing through a water pipe in a client’s property, could lead to hefty compensation claims that, without the proper insurance in place, could end up costing you thousands of pounds. A comprehensive liability insurance policy will protect you from this.
Liability insurance is a term referring to any type of insurance policy that protects a person or business against a risk for which they may be held legally liable and sued. This includes injury, damage to property, negligence or malpractice. Liability insurance is designed to protect your business against this kind of a claim, meaning if an insured accident does happen, your insurer pays out the costs of the compensation, rather than you footing the bill yourself. It’s a basic necessity that all businesses would benefit from.
At Tradesman Saver, we offer a range of liability insurance policies available for a mixture of different purposes.
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Our standard cover is:
There are many insurance options which would benefit your business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.
Claims such as this can cost a small fortune but having public liability cover means you may not be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have a great range of cover options and you can get your quote online in minutes.
* Total number of live policies as of 31/10/2025
The most typical type of liability insurance that all businesses could benefit from, public liability insurance covers businesses against claims made by customers or members of the public. It protects against claims involving both injury and property damage as a result of your business activities, as well as any related costs or legal fees.
Some key examples of where this insurance would be necessary are:
While not as typical as public liability insurance, products liability insurance is useful to anyone that sells, supplies or installs products as part of their business. It protects against claims made due to the injury of a customer, member of the public or damage to property. It is important to remember with this type of insurance that even if you didn’t manufacture the product, the person affected may still hold you legally responsible for any faults and defects, and cause them to make a claim against you initially.
Some key examples of where this insurance would be necessary are:
One of the most important liability insurance covers, employer’s liability insurance is a legal requirement for any business that employs staff. It’s designed to protect your business against an employee suffering an injury or illness as a result of working for you and claiming compensation, and it covers a vast amount of accidents in the workplace.
Some examples of where this insurance would cover you are:
Providing cover against claims of professional negligence, professional indemnity insurance, or professional liability insurance, protects businesses from defending themselves against claims such as these and the damages that might be awarded to the claimant. It covers claims for financial loss due to bad advice, which can be particularly useful if your business provides consultations. This type of liability insurance is starkly different from other forms of liability insurance, because the cover is generally arranged on a ‘claims made’ basis, meaning that the policy will only cover claims made during the policy period.
Some key examples of where this insurance would cover you are:
From only£55per year 
From only£55per year 
From only£75per year 
From only£55per year 
From only£55per year 
