Public Liability Insurance

Tailored insurance that works as hard as you do

From £53* With FREE legal expenses & accidental death cover
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member of the public stepping on a nail on a building site

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4.9 / 5 Based on 983 Reviews
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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.

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Tradesman Saver - Automatic Covers

Public Liability
Financial Loss
Products Liability
Legal Expenses
Accidental Death

Tradesman Saver - Optional Covers

Employers Liability
Tools / Equipment
Contractors All Risks
Business Contents
Professional Indemnity
Personal Accident
Short Term Income Protection

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

Online & anywhere

We like to keep things simple. Your quote, purchase & documents are all available online, anytime.

Cover is instant

No need to wait for your documents. You're covered from the moment you purchase.

Added protection

Products liability, legal expenses and accidental death cover as standard on every policy.

Monthly instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

The Limits Of Public Liability: What Do You Get?


Our standard cover is:

  • Up to £5 million public & products liability
  • PLUS £10,000 financial loss cover (with an option to increase to £50K – read more below)
  • PLUS worldwide liability cover for temporary work abroad (up to 14 days – excluding the USA and Canada)

With this you’ll get an indemnity limit of £1 million public liability cover, and the option to increase this to £2 million or £5 million. Your indemnity limit is the maximum amount your insurer will pay for any one public liability insurance claim. In some instances, customers may require a minimum amount of public liability cover (eg. local authorities tend to ask for £5 million). Should £5 million not be enough to suit your requirements, please give us a call and we’ll be able to arrange this for you.

As well as public liability insurance, we also include cover for the products you supply under our products liability cover. For further details, please visit our products liability insurance page.

You’ll also receive financial loss cover as part of your public liability policy at no extra charge. Through it, you’ll receive protection in the event a customer suffers a financial loss not caused by injury or property damage. Any financial loss caused by injury or property damage would be covered under the public liability section of your policy.

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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.

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What is public liability insurance?


The main cornerstone of almost any trade insurance policy, public liability insurance provides protection against claims made by customers and members of the public. In its base form, it covers any claims resulting in injury to a customer or member of the public, or damage to their property. This can include things like a client tripping over tools or building materials, or a member of the public’s vehicle getting damaged in the course of you conducting your business activities. Public liability cover typically starts at £1 million, but as certain types of jobs require higher levels of cover, it can be extended to include up to £5 million.

For more detailed information on what public liability insurance is, please visit our article on our Knowledge Hub to get the full lowdown on what you need to know.

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How much does public liability insurance cost?


At its base rate, our public liability insurance costs from as little as £53 per year. Costs do vary based on the additional covers selected and the indemnity limit chosen, and can vary further based on trade or profession. Our public liability insurance policies come with products liability insurance, financial loss cover and legal expenses insurance as standard, so these will all be covered under that base rate, making our insurance one of the most low cost options in the market for those working in the trade industry.

For further information on how much public liability insurance costs, please visit our Knowledge Hub to read our article which goes into much further depth.

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Why do you need public liability insurance?


While it’s not a legal requirement, public liability insurance is absolutely essential if you work in areas where members of the public or clients might be. Although you can take every precaution to adhere to the highest of safety standards, sometimes things can go awry. Public liability insurance is a surefire way to protect yourself when things do go wrong, as it gives you a safety net in the event that the worst should happen. It’ll protect you from any claims brought against you by clients or members of the public involving injury or damage to property, and it will even pay for any legal fees associated with fighting the case. It’s a worthwhile investment in the long term for securing your business’ future.

To read more about why you need public liability insurance in more depth, please visit our Knowledge Hub where you’ll find an article detailing all the answers to this question.

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Our Reviews

4.9 / 5 Based on 983 Reviews
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Very easy to navigate site

15 hours ago

Excellent and hassle free service

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Excellent and hassle free service

21 hours ago
*Based on £1,000,000 public liability, £250,000 legal expenses & £10,000 accidental death cover for a sole trader © Copyright 2019 Tradesman Saver | Tradesman Saver is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.
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