Self-Employed Public Liability Insurance
Public liability insurance for the self-employed for less than £59* per year
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Quick Online QuoteTradesman Saver’s Self-Employed Public Liability Insurance
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
Self-employed public liability insurance helps to keep your business safe in the event of causing injury or property damage to a third party. What’s more, Tradesman Saver’s premium self-employed insurance package will give you all the cover you need as your own boss, including financial loss, products liability and legal expenses insurance. As such, you can do your job with a greater peace of mind, safe in the knowledge your livelihood is safeguarded in the event of any accidents.
Why do you need self-employed public liability insurance?
Although being self-employed offers a number of benefits, from being your own boss to a better work-life balance, it’s important to remember that things can unfortunately go wrong. But with a comprehensive self-employed insurance policy, you’re much better placed to deal with any issues that arise.
All in all, this lets you get on with the job without worrying that one misstep will put your business in the mire, while also making you more appealing to prospective clients. People and businesses will see that you take your safety seriously and are trustworthy as a result.
Here at Tradesman Saver, we offer low-cost self-employed liability insurance so that everyone can afford the cover they need. To create a tailor-made policy today, fill out our online form at your closest convenience.
What’s included with our Automatic Cover
- Public LiabilityLearn more »
- Financial LossLearn more »
- Products LiabilityLearn more »
- Legal ExpensesLearn more »
- Accidental DeathLearn more »
Learn more about our Additional Cover Options
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Understanding public liability insurance for the self-employed
When shopping around for self-employed insurance, you’re likely to come across the term ‘public liability cover’ more than once, and for good reason. This underpins any insurance policy and covers injury or property damage to third parties, therefore safeguarding you when a customer or member of the public makes a claim against you. Among the situations it covers you in includes:
- Fire damage to a property after failing to rewire a fuse box properly
- Injury to a member of the public after they slip on a wet floor you created and you failed to put up a sign
- Damage to both a client’s and their neighbour’s properties due to faulty plumbing work
Why do you need public liability insurance as a self-employed tradesman?
Being a self-employed tradesman is a particularly precarious position, as the buck stops with you and you only. As such, it’s crucial you do everything possible to keep your livelihood protected, which is exactly what public liability insurance helps you to achieve.
How our self-employed public liability insurance works
Complete our simple quote form with basic details about your business
Get an instant quote & choose any optional covers you may need
Instantly activate your Tradesman Saver policy and view your certificates online
How much does self-employed public liability insurance cost?
If you are self-employed the cost of your public liability insurance will depend on a number of different factors. The most important factor will be your trade. Almost all trades can work on a self-employed basis but the price you pay will depend on the type of job you do. For example, a self-employed plumber will pay more for public liability insurance than a self-employed builder or caterer as the risk of a large claim occurring is greater. As well as your trade, how long you have been in business and whether you have had any previous claims will also affect the cost of your insurance.
Our Tradesman Saver public liability policy for the self-employed includes additional covers as standard, including legal expenses, financial loss and accidental death cover. You will get some of the widest covers available at a price you’ll find hard to beat!
Self-employed public liability insurance quote examples
£58.76 / year A self-employed builder working on domestic and small commercial properties less than 10 metres in height - Sole Trader
- New start-up. No previous experience
- Based in Newcastle
- No claims
Automatic Covers
- Public Liability £1,000,000
- Financial Loss £10,000
- Products Liability £1,000,000
- Legal Expenses £250,000
- Accidental Death £10,000
Optional Covers
- Business Contents Not Insured
- Personal Accident Not Insured
- Employers Liability Not Insured
- Tools / Equipment Not Insured
- Contract Works Not Insured
- Professional Indemnity Not Insured
£29.02 / month £329.80 / year A self-employed caterer - Sole trader
- 5 years experience
- Based in Surrey
- No claims
Automatic Covers
- Public Liability £5,000,000
- Financial Loss £10,000
- Products Liability £5,000,000
- Legal Expenses £250,000
- Accidental Death £10,000
Optional Covers
- Business Contents £10,000
- Personal Accident £50,000
- Employers Liability Not Insured
- Tools / Equipment £10,000
- Contract Works Not Insured
- Professional Indemnity £50,000
The above quote examples were taken from our online system on 24/11/21. These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.
| Insurance cover | Excess |
|---|---|
| Public Liability | £250 |
| Products Liability | £250 |
| Employers Liability | No Excess |
| Financial Loss | 10% of claim value(£2,500 minimum) |
| Professional Indemnity | 10% of claim value(£2,500 minimum) |
| Contract Works | £250(£500 Theft/Malicious Damage) |
| Tools / Equipment | £100(£250 Unattended vehicle) |
| Legal Expenses | No Excess |
Chosen by over 5000 businesses and counting *
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
Monthly Instalments
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Instant Cover
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Added Protection
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
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Self-Employed Public Liability Insurance: Frequently Asked Questions
Do I legally need self-employed public liability insurance?
You’re not legally required to have public liability insurance, but odds are you’ll need it. Not only will it keep your business from going under in the event of an incident, but will help you attract clients.
How much self-employed public liability insurance do I require?
The amount of self-employed public liability insurance you need depends on aspects like how dangerous your jobs are, how expensive your contracts are, and how much your equipment costs. We can help you work this out if you’re unsure.
How do I make a claim on my self-employed public liability insurance policy?
To make a claim on your self-employed public liability insurance policy, you first must get in touch with your provider to receive a form. When filling out, check that you’re within the time limits for making a claim and that your policy covers what you’re claiming for. You should also see what the excess is so you’re aware of how much you’re paying towards the claim.
What information do I need to provide?
The main information you’ll need to give when securing a self-employed public liability insurance quote includes your name, address and the type of work you typically do.
Will I automatically get self-employed public liability insurance with any Tradesman Saver policy?
Every Tradesman Saver includes public liability cover as standard. In addition to self-employed public liability, you’re also protected against legal expenses, financial loss, accidental death, and products liability. For more information on each of these automatic covers, please consult the dedicated section above.
Types of Self-Employed Insurance We Provide
