Public Liability Insurance

Protect your business and save your pocket with our comprehensive and competitive Public Liability Insurance cover, starting at less than £58* per year. We automatically include:

  • Public Liability
  • Financial Loss
  • Products Liability
  • Legal Expenses
  • Accidental Death
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Public liability insurance protects your business if customers, suppliers, or members of the public suffer property damage or personal injury as a result of your business’s activities.  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. 

You may be taken to court over such incidents, and have to pay high costs to defend yourself. In other words, you are liable to pay for damages – and the cost of going to court , or mediating for compensation, will mean a hit to your business. With Tradesman Saver’s comprehensive liability insurance under your belt, legal expenses and compensation claims are covered for accidents that occurred both on your premises and off-site

This makes liability insurance the cornerstone of any tradesman insurance.

Why do you need public liability insurance?

Though public liability insurance is not a legal requirement in the UK, it is considered a necessity amongst tradesmen. Accidents are always possible if your business involves direct contact with others, especially if your work is often carried out on client sites, or you frequently welcome visitors to your premises. Therefore, it’s vital to be prepared for the worst by protecting your business financially.

What’s more, some clients may require you to have public liability insurance in place before you can conduct any work for them.

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Why Us?

Online & Anywhere

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

Instant Cover

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

Added Protection

Public Liability, products liability, financial loss, 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.

Our cheap public liability insurance is automatically activated from the moment you purchase it. This provides cover with an indemnity limit of £1 million, which is the most we will pay out in a single claim. However, you have the option to increase this to £2 million or £5 million to accommodate the needs of a particular customer—for instance, local authorities typically need £5 million cover. Please contact us if this sum will not be enough to meet your requirements, and we will arrange appropriate cover.

As well as tradesman public liability insurance, we also automatically provide further protection for your business through our products liability cover. This safeguards you against damages or injuries resulting from a product you’ve sold, supplied, or installed for a third party. For further details, please visit our products liability insurance page.

In addition to protection against financial losses resulting from injuries and property damage caused by your business, we cover any financial losses inflicted on a third party that haven’t been directly caused by an accident. This means we will meet any costs if another business claims they have suffered financial loss as a result of your actions.

We also offer up to £250,000 free cover for legal expenses with every policy, in addition to a 24-hour legal helpline waiting to address your queries, and a wealth of useful online legal resources. You can also seek help with tax and VAT investigations as part of your policy.

Cost of public liability coverScenarios requiring liability insurance

What’s included with our Automatic Cover

Why is public liability insurance important?

Having public liability insurance could be the difference between your business flourishing, or going bankrupt. There’s no telling when an unpredictable accident will take place, and if your business has to pay damages for causing injury or property damage, these hefty bills could result in financial difficulties too severe to recover from. Public liability insurance is very important as it protects your business from any unforeseen expenses, meaning your company won’t be harmed if an accident occurs. 

How much public liability insurance do I need?

The amount of public liability insurance your business requires depends on the particular work you provide. When deciding, it’s vital that you consider the size of compensation you could potentially be demanded to pay. For instance, tradesmen need to consider how dangerous the tools they work with are, and how safe their typical work environment is. It’s also helpful to discuss public liability insurance with possible clients to see whether they expect a particular degree of cover.

Is public liability insurance compulsory?

UK businesses are not legally required to obtain public liability insurance and you will not be subject to criminal proceedings if you decide against it. Nevertheless, the importance of this cover cannot be stressed enough. Not only will this make your business look far more professional, but it also means we will be responsible for the fallout of any unforeseen accidents, leaving you free to get on with your job. Public liability insurance may also impact the jobs you are able to do, as many customers will request certain levels of cover before agreeing to work with you.  

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. Financial loss, products liability, legal expenses, and accidental death are also included in all of our policies as standard. You can find more information on the covers we automatically include in the dedicated section above.

Am I covered if one of my employees has an accident at work?

You will need to purchase employer’s liability insurance to cover any injuries caused to your staff. Employee injuries can be catastrophic as not only will they be out of work, and therefore denting your profits, but you could also face extortionate compensation claims depending on how significant the damages are. Employer’s liability insurance protects you from these worrying possibilities, as we will be responsible for covering any consequent costs. This cover can be added when you receive a public liability insurance quotation from us. Please note: Employer’s liability insurance is a legal requirement if you employ staff.

Do I really need public liability insurance if I work from home?

Even if you work from home, public liability insurance is strongly recommended if customers or members of the public come to your property, or you visit them at their own premises. For example, anything from an accidental spillage in the kitchen, to an uneven step on your staircase could unwittingly cause injury or property damage. The majority of home insurance policies won’t cover business-related claims, and even if they do, the protection may not be enough to keep your business safe. However, taking out public liability insurance means you won’t be responsible for making any payments if an unexpected accident takes place in your home. 

What if I have more than one trade?

You will only be fully protected if you are covered by public liability insurance for each trade you work in. You are able to select up to three trades or occupations when you complete our online quotation form. If you need more than three to cover all the work you do, this is not a problem. Simply contact us, and we can arrange bespoke cover to suit you. It’s vital that your public liability insurance policy covers all the business activities you undertake. 

Is the cost of public liability insurance the same for all trades?

Quotations do vary from trade to trade as some professions involve higher risk than others. The cost also depends on factors including the size of your business, your claims history, and how much cover you require according to your circumstances. This will all be reflected in the cost of your cover, and the easiest way to get an indication of the price is to request an instant online quote tailored to your business. 

Does public liability insurance cover me for any advice I provide through my trade?

If your business offers advice, for example, on design or specification, this is covered by professional indemnity insurance. This protects you if your business is deemed professionally negligent, which could lead to claims associated with things like financial loss, infringement of intellectual property rights, and unintentional breach of confidentiality. However, professional indemnity insurance ensures that we would cover all the legal costs associated with any of these claims. If required, this can be added when you receive your online quote. Please note: If professional indemnity insurance is not available online for your trade, please contact us to arrange a separate policy. 

Can I handle public liability costs on my own?

This is not recommended as claims are likely to be incredibly expensive, and it can be very difficult to predict how much any given incident will cost you. The value of a claim will depend on all of the implications of the injury or property damage, and could cost you millions of pounds.

For instance, victims may not be able to work following a personal injury, and if your business is responsible, you may have to pay for medication, legal fees, and other ensuing costs. This compensation could cause major financial problems for your business and, as accidents can happen without warning, you may not be financially prepared for such huge expenses. 

However, by taking out tradesman public liability insurance with a reputable and experienced provider, you can rest easy knowing your business is always protected from any sudden and unwanted costs.

At its base rate, our public liability insurance costs as little as £53* a year. The final cost of your tradesman insurance premium will depend on a number of factors, including:

  • The indemnity limits you’ve chosen for each cover
  • Whether you’ve selected any additional covers and the indemnity limits of these
  • Your particular trade or profession
  • Whether or not you have made any claims in recent years

As our standard policy encompasses cover for products liability, financial loss, accidental death and legal expenses, our public liability insurance is one of the cheapest options available.

Insurers calculate the premium for your public liability insurance based on the likelihood of you making a claim, as well as the cost of any possible claim. This means that your premium might vary depending on the level of risk posed by your business.

If an insurance company perceives your business as risky, your premium may be higher. For instance, if you or your employees work in high risk locations or your job could potentially cause a lot of damage if it went wrong, it is likely that your policy will come with a higher premium.  An example would be a plumbing and heating engineer where the cost of damage caused by a leak at a customer’s home following an incorrectly fitted radiator, could be very large. However, if your trade is relatively low risk such as a painter and decorator or a carpenter, you will pay less.

You’d need public liability insurance for a number of scenarios, such as:

  • A customer slipping and falling on a wet floor and injuring themselves
  • A builder puncturing a water pipe in a building they are working on, causing flooding which results in substantial damage to the property
  • Spilling hot coffee over a client while having a consultation
  • A caterer causing guests to contract food poisoning at a wedding reception where they are catering
  • Tools or scaffolding malfunctioning and causing accidental damage to a property or bystander
  • A painter accidentally knocking paint over a customer’s expensive carpet

 

Here are a few more examples of public liability claims.
 

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*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax and our admin charge. 22% of new customers paid less than £58 between 1st January 2019 and 31st August 2019. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2019 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 this on the Financial Services register https://register.fca.org.uk/.
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