Get A Quote

Public Liability Insurance

Comprehensive public liability insurance cover for less than £59* per year

Not on comparison sites — save money by coming direct to us

Quick Online Quote
Home » Public Liability Insurance

What is public liability insurance?

Public liability insurance 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.

Quick Online Quote

What’s included with our Automatic Cover

Van Insurance New Quote Continue Quote

Tradesman Saver’s Public Liability Insurance


Includes four more Tradesman Saver covers as standard

Our liability insurance cover includes:

  • Up to £5 million public & products liability insurance (more available by arrangement)
  • £10,000 financial loss cover (with an option to increase to £50K)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
  • £250,000 legal expenses cover + 24-hour legal helpline

Get cheap public liability insurance with Tradesman Saver, as our standard package comes with four other covers:

Products liability

Our products liability cover safeguards you against damages or injuries resulting from a product you’ve sold, supplied, or installed for a third party. 

Financial loss

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. 

Accidental death

Meanwhile, our accidental death insurance will protect your business if the worst happens to you or your staff.  

Legal expenses

We offer up to £250,000 free cover for legal expenses with every policy. This is in addition to a 24-hour legal helpline for addressing any queries and a wealth of useful online legal resources.

Get in touch with our team for a public liability insurance quote today.

Cost of public liability coverScenarios requiring liability insurance

Chosen by over 5000 businesses and counting *

Online & Anywhere

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

Monthly Instalments

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

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.

* Total number of live policies as at 31/03/2022
£50 from
me to you.

When a friend you refer takes out a new policy, we’ll give £25 to them, and £25 to you.

Refer a friend

How much does public liability insurance cost?

The final public liability insurance cost depends on aspects like:

  • 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


How do insurers calculate the cost of public liability insurance?

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

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


When would liability insurance be required?

Some examples of when public liability insurance could come in handy include:

  • If a customer slips on a wet floor and injures themselves.
  • Should a builder puncture a water pipe, causing flooding which results in substantial damage to the property.
  • If somebody spilled hot coffee over a client while having a consultation.
  • If a caterer caused guests to contract food poisoning at a wedding reception.
  • Should tools or scaffolding malfunction, causing accidental damage to a property or bystander.
  • Should a painter accidentally knock paint over a customer’s expensive carpet.

Here are a few more examples of public liability claims.


Public Liability Insurance: Frequently Asked Questions

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 company has to pay damages for causing injury or property damage, you could be put in serious financial trouble. Public liability insurance is very important as it protects your business from such unforeseen expenses.

How much public liability insurance do I need?

The amount of public liability insurance your business requires depends on the work you do. 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.

Here at Tradesman Saver, we offer 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.

Is public liability insurance a legal requirement?

UK businesses are not legally required to have 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 keeps you in the black financially too. 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, in addition to financial loss, products liability, legal expenses, and accidental death. 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. This cover can be added when you receive a public liability insurance quotation from us. Employee injuries can be catastrophic as not only will they be out of work, therefore denting your profits, but you could also face extortionate compensation claims from staff members themselves. Employer’s liability insurance protects you from these possibilities, as we will be responsible for covering any consequent costs. Please note that it is actually 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 should 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. Taking out public liability insurance means you won’t be responsible for the costs involving unexpected accidents in your home.

Do I need public liability if I am self-employed?

Public liability insurance is just as necessary for a self-employed individual as it is for a company owner. Just because you work for yourself doesn’t mean you don’t face the same risks as companies, making it vital to have public liability insurance in place. Otherwise, you could end up in serious financial trouble.

What if I have more than one trade?

You will only be fully protected if you have public liability insurance for each trade you work in. With Tradesman Saver you are able to select up to three trades or occupations when you complete our online quotation form. If you need more than this, simply contact us and we can arrange a 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. Public liability insurance 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 price of your cover.

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

If your business offers advice on topics like design or specification, for example, this is covered by professional indemnity insurance. This protects you if your business is deemed professionally negligent, which could lead to claims for 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. This can be added when you receive your online public liability insurance quote. If professional indemnity insurance is not available online for your trade, please contact us to arrange a separate policy.

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.

Can I handle public liability cost on my own?

This is not recommended, as 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 set you back millions of pounds in the worst case scenario.

For instance, victims may not be able to work following a personal injury that your business is responsible for, meaning you’ll need 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.

*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 but excludes our admin charge. 19% of new customers paid less than £59 between 1st January 2021 and 28th February 2021. 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 2022 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.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
You need to be logged in to Your Account to make a payment. Redirecting you to Account Login.