Public Liability Insurance for Tradesmen and Self Employed

Public Liability (PL) insurance can protect against both compensation costs and legal fees if a client makes a claim against you relating to personal injury or damage to their property.

Insurance Solutions from Gallagher

Insurance Solutions from Gallagher

Bank of Scotland Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited. As a broker, Gallagher has access to a panel of insurers plus they provide professional advice and expertise, helping you get the right insurance for your business.

Get a quote for Public Liability Insurance

Get a quote for Public Liability Insurance

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What is public liability insurance and what does it cover?

Public liability insurance is a type of cover for tradesmen and the self-employed. If a member of the public, or their property is damaged, and your business is at fault, public liability insurance can protect you from the cost of legal action. It could also mitigate any costs if you are sued by a third party, excluding your staff.

Public liability insurance can cover:

Legal Expenses

Legal Expenses

If you find yourself in court, your legal fees could be covered. This could save you and your business thousands.

Compensation Claims

Compensation Claims

If a third party makes a compensation claim, this cover will help pay.

Medical Expenses

Medical Expenses

Depending on the type of cover, if a third party is injured due to your business, you could be covered for costs of treatment.

Tools

Tools

Add tool cover to your public liability insurance to help protect you from the cost of replacing stolen or damaged equipment.

Business Equipment

Business Equipment

This can protect you against any accidental damage to buildings, fixtures and fittings.

Employers’ Liability

Employers’ Liability

If an employee is injured or killed due to negligence at work, this cover could protect you against the cost of compensation.

Keep in mind

Keep in mind

Public Liability Insurance is subject to individual terms, conditions and exclusions. Ensure the documentation is checked during the quote process to make sure you and your business are adequately covered.

Talk to an insurance specialist

Talk to an insurance specialist

Call 0345 377 0001

Lines are open 9am to 6pm Monday to Friday excluding bank holidays.

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Do I Need Public Liability Insurance?

Having Public Liability Insurance is not a legal requirement. However, it can be a very beneficial cover if you find yourself needing it. It’s usually a policy taken out by businesses that work with the public. Some businesses that may need to consider this cover are:

  • Mobile Hairdressers
  • Caterers
  • Small Business Owners
  • Tradesmen (plumbers, electricians etc.)
  • Builders.

This list is not complete as almost any business could require public liability. But having adequate insurance for your business can make a huge financial and emotional difference if you find yourself being sued.

How Much Public Liability Insurance Do I Need?

The level of cover a business needs will vary depending on the type of work. Most policies start at £1 million, but can be up to £10 million if necessary.

You should consider the level of risk: What is the chance of someone being injured? How much is the public exposed to?

What are Some Examples of Public Liability claims?

 

There are two common types of claims, accidental damage and injuries.

Accidental Damage

  • Spilling a drink over a client’s laptop
  • Damage caused to a garden fence.

Injuries

  • Tripping over loose wires
  • Slipping on a wet floor.

How much does Public Liability Insurance Cost?

There are a lot of factors which determine the cost of Public Liability Insurance. The premium will be affected by the likeliness of an accident. 

Some factors that could be considered are:

  • The size of your business
  • The industry it sits in
  • Location
  • The type of equipment used
  • If customers visit.

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Get in touch

Call 0345 377 0001

Lines are open 9am to 6pm. Monday to Friday, excluding bank holidays.

Existing customers 

Contact numbers for all your queries including details for making a claim.