Buy peace of mind today with Public Liability insurance
What is public liability insurance?
When you're working on a job there are risks to you and other tradespeople, but also to the public. However much care is taken to manage hazards and make a working area safe, there is the chance that an accident could happen. Public liability insurance is designed to cover you and your business, against claims for injury or damage, from customers or members of the public. In this video, the first of our Public Liability Explainer series, we answer the question ‘What is public liability insurance?’.
Product features
- Public liability cover of up to £5 million
- Professional indemnity cover available
- Cover for third party financial loss
- Capital Death Benefit
- Tools cover up to £15,000
- Temporary Total Disablement Benefit
- Plus optional extensions and extras
- Option to pay in monthly instalments
Who do we cover?
- Sole traders
- Contractors
- Partnerships
- Limited companies
- Limited Liability Partnerships
- Up to 15 employees
- Businesses with turnover up to £3 million
- Single and multiple trades
What trades do we cover?
- Over 70 recognised trades covered
- Plumbers Insurance
- Builders Insurance
- Heating & Gas Engineers Insurance
- Electricians Insurance
- Painters and Decorators Insurance
- Cover for multiple trades available
Why Trade Direct?
- Underwritten by Zurich Insurance Company Ltd
- Specialists in Tradesman Insurance
- Save 10% with B&Q TradePoint
- Feefo™ Platinum Trusted Service Rated
- Expert UK telephone support
Do I need public liability insurance?
This is something you need to consider carefully. For any tradesperson it is important to assess how much of a risk their type of work poses to customers and members of the public. Whether customers or the public are on your premises, or if you're working on theirs, it’s important to think about the types of claim that could be made against you or your business. Could your business afford to pay a potentially significant claim? Self-employed public liability insurance can give you peace of mind in knowing that your business is covered in the event of a claim.
How much does public liability insurance cost?
We understand that price is an important factor - especially for small businesses, which is why we keep our policy premiums competitive. Our aim is to keep tradespeople covered against the sort of risks that could potentially stop them trading. The cost of a policy depends on a number of things, including the size of your business and what trade you carry out. To find out how much a policy would cost your business, get an online quote now or give us a call.
Your cover options
Essentials
Our Essentials package includes Public Liability insurance and cover for Third Party Financial Loss.
- Public Liability insurance up to £5 million
- Third Party Financial Loss £100,000
- Employers' Liability insurance £10 million available
Classic
Our Classic package builds on Essentials by offering Professional Indemnity cover as well as Capital Death Benefit and Tools cover.
- Public Liability insurance up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Employers' Liability insurance £10 million available
Plus
Our most comprehensive option, the Plus package builds on Classic by adding Temporary Total Disablement Benefit, which can be increased based on your needs.
- Public Liability insurance up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Temporary Total Disablement Benefit up to £600 a week per person
- Employers' Liability insurance £10 million available
Extras
Looking for extra insurances for your work? We have a list of optional extras to give you the cover you need:
- Contract Works
- Owned Plant
- Hired in Plant
- Jury Service cover
- Tools cover (from £1,000 to £15,000)
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Public Liability Insurance FAQs
Got a specific question on public liability insurance? Find out everything you need to know, including what it's designed for, the levels of cover, plus much more.
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