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Does public liability insurance cover contractors?

Knowing whether you’re covered by a business’ liability insurance as a contractor isn’t always straightforward. If you take out an insurance policy through Tradesman Saver, contractors and temporary staff are typically covered as standard. However, it can often be worth having your own public liability insurance as a contractor – meaning you’re protected no matter what.

Public liability insurance is a key type of insurance that contractors need to consider. But what exactly does public liability insurance cover for contractors? In this article, we’ll explore how public liability insurance can protect contractors and why it’s so important.

What is public liability insurance for contractors?

Public liability insurance is a type of cover that protects contractors in the event that a third party (such as a client or member of the public) suffers an injury or property damage as a result of your business activities. If a claim is made against you, public liability insurance can cover the legal and compensation costs, up to the limits of your policy.

For example, imagine you’re a plumber working on a client’s property. If you accidentally cause damage to their property while carrying out your work, or if someone is injured as a result of your negligence, you could be held liable. Without public liability cover, you would have to pay the cost of any legal fees and compensation yourself, which could be financially devastating for your business.

What level of public liability cover do contractors need?

The level of public liability cover you need will depend on a number of factors, including the type of work you do and the terms of your contracts. As a general rule, most contractors should look for a minimum of £1 million in cover, but some contracts may require higher levels of cover, such as £5 million or even £10 million.

It’s important to carefully review the terms of your contracts to ensure you have the right level of cover in place. If you don’t have adequate insurance, you could be in breach of contract and face serious consequences.

Is public liability insurance a legal requirement for contractors?

While public liability insurance is not a legal requirement for most contractors in the UK, it is strongly recommended. Many clients will require contractors to have public liability insurance in place before they will work with them, as it provides reassurance that they will be protected in the event of an accident or damage.

In some cases, such as when working on public sector contracts, having public liability cover may be a mandatory requirement. It’s important to check the specific requirements of each contract you take on to ensure you have the right contractor’s all risk insurance in place.

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What other types of insurance do contractors need?

In addition to public liability insurance, there are several other types of insurance that contractors may need to consider, depending on their specific circumstances. These include:

  • Professional indemnity insurance: This covers you in the event that a client suffers financial loss as a result of your professional advice or services. It’s particularly important for contractors who provide advice or design work.
  • Employers’ liability insurance: If you employ anyone, even on a temporary or casual basis, you are legally required to have employers’ liability insurance. This covers you if an employee is injured or becomes ill as a result of their work for you.
  • Tools and equipment insurance: This covers the cost of replacing or repairing your tools and equipment if they are lost, stolen, or damaged.
  • Personal accident insurance: This provides cover if you are unable to work due to an injury or illness.

How much does public liability insurance cost for contractors?

The cost of public liability insurance for contractors will vary depending on a number of factors, such as the level of cover you need, the type of work you do, and your claims history. As a rough guide, you can expect to pay around £50-£100 per year for a basic policy with £1 million in cover.

However, it’s important to shop around and compare quotes from multiple insurers to ensure you’re getting the best deal. You may also be able to save money by purchasing a package of insurance that includes multiple types of cover, such as public liability and professional indemnity insurance.

Why choose Tradesman Saver for your contractor insurance needs?

At Tradesman Saver, we specialise in providing insurance for contractors and tradespeople. We offer a range of insurance packages that can be tailored to your specific needs, including public liability, professional indemnity, employers’ liability, and tools and equipment cover.

Our public liability insurance for contractors starts from just £54* per year and provides cover of up to £1 million as standard, with the option to increase this to £10 million if needed. We work with a panel of leading insurers to ensure we can offer the most competitive prices and the best cover for your business.

We understand that every contractor is different, which is why we take the time to understand your specific needs and provide personalised advice and support. Our UK-based team is available 24/7 to answer any questions you may have and provide assistance when you need it most.

Make Sure You’re Covered By Public Liability Insurance, with Tradesman Saver

Public liability insurance is an essential type of cover for contractors, providing protection in the event that your business activities cause injury or damage to a third party. While it’s not a legal requirement in most cases, many clients will insist on contractors having public liability insurance in place before they will work with them.

At Tradesman Saver, we specialise in providing insurance for contractors and tradespeople, with public liability cover starting from just £54* per year. We can provide a package of insurance to suit your specific needs, including professional indemnity, employers’ liability, and tools and equipment cover.

Don’t leave your business exposed – get in touch with Tradesman Saver today to discuss your insurance needs and get a personalised quote. With our help, you can have peace of mind knowing that your business is protected, so you can focus on what you do best.

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