Business Protection When You Need It Most
It’s unfortunate but true – accidents can happen. They come part and parcel with running a business. It doesn’t matter if it’s a member of the public tripping over the cable of a power tool or accidental damage to a client’s vehicle while completing works on their property, there are just some accidents that are unavoidable. You can be as careful as you like – sometimes life just has to throw a curveball your way.
These sort of unforeseen accidents are exactly what public liability insurance was designed for. Acting as the cornerstone of any trade insurance policy, it provides your business with essential protection against any claims that are made by customers or members of the public for injuries suffered, or damage to their property caused, by you or your business activities.
Tradesman Saver - Automatic Covers
Tradesman Saver - Optional Covers
Can't fault the cost. No other company could offer the same level of cover for the price.Chris Doyle
Very easy site to use and very competitive. Friendly all from the administration staff after on line quote . All in all pleased at the service so far.Dermot Devlin
Public Liability Insurance: Frequently Asked Questions
Will I automatically get public liability insurance with any Tradesman Saver policy?
Yes! All of our policies come complete with public liability cover as standard.
Am I covered if one of my staff has an accident at work?
If you’re employing staff at your business, you will need to purchase employer’s liability insurance to cover this sort of situation. You can add this cover when you receive your quotation from us. Please note, employer’s liability is a legal requirement if you employ staff.
Do I really need public liability insurance if I work from home?
If you’re working from home and customers, or members of the public, come to visit you, or if you see them at their own premises, taking our public liability insurance is still advised.
What if I have more than one trade?
When you fill out our online quote form, you’re able to select up to 3 trades or occupations. If you need any more than 3 trades to cover the work you do, it’s not a problem at all – simply give us a ring and we can arrange the cover to suit you. It’s important to make sure your public liability insuranc policy covers all the business activities you undertake.
Is the cost of public liability the same for all trades?
Sadly, no. Quotations do vary from trade to trade, as some professions and trades involve higher risk than others. This is reflected in the cost of your cover.
Does public liability give me cover for advice I give?
If your business offers advice, for example on design or specification, this is covered by professional indemnity insurance. Should you require it, you can add this cover when you get your online quote. Please note, if professional indemnity insurance is not available online for your trade, please contact us and we can arrange a separate policy for you.