What is Tradesman Public Liability Insurance?


When you are tradesmen, you and your company may be financially liable for the costs of any accident caused by you or one of the contractors you employ. By choosing to get tradesman insurance that includes public liability cover, you will receive protection against any sort of damage you or your contractors cause on the property of the client. It will even offer protection in situations where a member of the public is injured because of the work you do too.

Who needs tradesman public liability insurance?

Whether you are an electrician or a joiner, you can get tailored tradesman liability insurance covers to suit your business. Premiums for this sort of insurance vary depending on the type of business you own, whether you are a one-man band or you have a team in place, and whether or not you are a limited company.

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Besides protecting your business against claims made by customers for accidental injury or property damage, public liability insurance is also a great way to improve the reputation of your business.  In fact, many customers will now insist on seeing proof of your tradesman public liability insurance before you will be able to work on site.

Is public liability insurance compulsory?

If you’re not sure what public liability insurance is, it is not a legal requirement for all types of businesses; however, you should consider it essential for your business if any members of the public are likely to be interacting with your company in any way. This includes clients who are visiting your site, or where you are working at a customers premises or in their home. As such, even businesses that are home-based may need to consider public liability insurance if they use their home office to meet with clients.

What does public liability insurance cover?

This type of tradesman insurance covers a wide range of circumstances, but as a rule of thumb, you will get protection for your business if anyone gets injured in any way by your business, or if you cause any damage to a third party property whilst doing your job. Your policy will also cover any legal fees that you may need to pay if the case goes to court.

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So if as part of your tradesman business you were to injure a member of the public, perhaps they were to trip over your tool box for example, you would be covered for any compensation claim made against you.  You would also be covered if you were to damage a customers property; maybe you dropped a hammer through a conservatory roof whilst up on a ladder?

How much does a business have to pay for public liability insurance?

This is entirely dependent on the kind of work your business undertakes. At Tradesman Saver, we offer a myriad of policies to suit a variety of different trades in the industry. Each of these costs a different amount depending on the level of risk involved and the level of cover you need. Our online quote form allows you to select up to 3 different trades, but if you want to list any more than 3 trades, just give us a call and we’ll be able to arrange the cover you need.  Our policies start from less than £55 per year for public liability, products liability, financial loss and legal expenses insurance cover.

Many businesses assume that they can do without public liability insurance because they are small or they work from a residential address. However, even a simple incident such as spilling coffee over a client’s computer could end up costing you thousands of pounds if you do not have this type of insurance, so it’s better to be safe than sorry.

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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 £59 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 2020 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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