Our public liability insurance explained


If your business involves working in a public space, you need cover for

common risks such as causing an injury, an accident, or damage to property.
Freephone 24/7 professional advice line

We're here to help with any legal, health & safety issues and stress counselling when you need it most.

Free expert help with VAT and PAYE

available during working hours.

Public liability cover up to £5m

Choose the level of cover you need (£1 million or £2 million available) whether you're a tradesperson or a contractor.

Optional employers' liability cover

which can be included on the same policy (not available on its own).

Public liability insurance from £11 a month.

Cover against potential legal fees and compensation. Based on 10% of new customers. MORE TH>N data March – September 2016.

Cover available for a wide variety of trade businesses.
Plus you can add cover for your business equipment or tools.

Rest assured your business is protected should the worst happen.

If an accident happens, we'll be there to help you financially so you can get back to doing what you do best.
scaffolding joint

Peace of mind if something goes wrong

We provide cover for businesses of any size offering benefits including 24/7 access to professional advice.

We can also help to cover repair fees, compensation payments and legal fees incurred.

For example, a self-employed tradesperson might take out public liability insurance so they're covered when working on a client's property should they cause damage or an accident. They may also want to insure their tools, van, and if they frequently work from their home office.

You can add cover options to your public liability insurance policy

to suit you and your business' needs, as well as protecting your customers.
person carrying a plastic toolbox

More cover options for your business

With an annual turnover of up to £1 million, you can add the following cover:

  • Up to £5 million indemnity limit compensation for damages or loss.
  • Trade tools or equipment up to £5,000.
  • Employers' liability insurance cover for sole traders and partnerships and limited companies.
  • Home-based business equipment up to £5,000.

Call 0330 102 4504 to speak to one of our advisers.

Make sure you keep your cover is up-to-date.

Please call us 0330 102 4501 with your public liability policy number for any updates to your insurance policy.

Need to check your policy details?

Download the policy wording below:

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