Public Liability Insurance
Individuals and sole traders such as tradesman, contractors and all business operations ideally all should have some form of public liability insurance cover in place that is specific to their demands and needs.
All businesses must ensure that they have a business insurance policy in place that not only covers their physical assets but also that adequate tradesman public liability insurance cover is also in place should a disaster or an accident to occur.
Compare quotes and policy details online with some of the best UK providers of commercial insurance products.
Our panel of specialist underwriters and brokers will ensure that they search the market for cover that meets you demands and needs at the same time the premium being very competitive. For a quote simply complete the online form.
Typical Tradesman include:
- Heating Engineers / Gas Fitters and Boiler Installers
- Cake making and cake decoration
- Property maintenance
- Carpenters and Joiners
- Painters and Decorators
- Plasterers and Tilers
We have taken the headache out of purchasing business insurance policies with our instant online comparison quote system. With over 200 tradesmen listed on quote engine, we can cater for almost all types of tradesman insurance. If you cannot find a trade listed please call our commercial team to assist you.
- Compare cheap public liability insurance quotes instantly online with multiple insurers.
- Tailor the cover to suit your exact demands and needs.
- Pay online, easy monthly payment options available for most tradesman.
- Print documents online and receive electronic policy document set via your email.
- Many additional optional extra’s available to compliment the public liability policy.
- If you prefer speak to an experienced advisor and buy you policy over the telephone.
What is public liability insurance?
The most common types of public liability claims include where a customer slips or trips. This can occur in a retail shop where there was water spillage and no sign or warning notice was displayed or even at the customers own home. A builder or any other tradesmen could be doing some work at the customer’s premises and leaves tools on the floor and the customer trips over and hurts them. The liability insurers would still have to defend the case should the customer lodge a claim.
What level of public liability covers are available?
Various amounts are available for public liability insurance ranging from £1 million, £2 million, £5 million and £10 million. The minimum us usually just £1 million public liability sum insured. For larger risks such as the building and the construction trade £5m or £10m are the usual requirements. Most packaged policies for shops and offices usually come with either £1m or £2m public liability as part of the business policy but this can normally be increased if the business needs a higher limit.
Most liability insurance policies will have certain conditions and clauses. This can include things such as height or depth restrictions. If you are a roofer or a scaffolding contractor you may require a height limit of greater than 10 metres, which is normally the standard height limit on a tradesmen public liability insurance policy. Remember it is false economy to opt for a cheap public liability insurance quote that only offers a limit of 10 metres in height when your business actually needs a higher limit. If a claim was to occur and the insurers found that you work at heights that are greater than 10 metres they may not pay out for the claim and void your policy.
The level of cover you choose should also reflect the needs of your business. For example a builder that does a lot of work for local government would usually require a minimum of £5 million public liability insurance cover as this is a common requirement of most council and even £10 million in some cases.