It’s unfortunate but true – accidents can happen. They come part and parcel with running a business. It doesn’t matter if it’s a member of the public tripping over the cable of a power tool or accidental damage to a client’s vehicle while completing works on their property,

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2. Public Liability InsurancePublic Liability Insurance
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3. Business Protection When You Need It Most
It’s unfortunate but true – accidents can happen. They come part and parcel with running a business. It doesn’t matter if it’s a
member of the public tripping over the cable of a power tool or accidental damage to a client’s vehicle while completing works
on their property, there are just some accidents that are unavoidable. You can be as careful as you like – sometimes life just has

4. on their property, there are just some accidents that are unavoidable. You can be as careful as you like – sometimes life just has
to throw a curveball your way.
These sort of unforeseen accidents are exactly what public liability insurance was designed for. Acting as the cornerstone of any
trade insurance policy, it provides your business with essential protection against any claims that are made by customers or
members of the public for injuries suffered, or damage to their property caused, by you or your business activities.
Quick and simple
Quote and buy in just 5
minutes with immediate
cover. Get your documents
instantly by email.
Safe, easy payments
Secure online payment by
debit or credit card. Low-cost
monthly instalments
available.
No call centres - ever!
Yes, we hate call centres too!
So you'll always speak to one
of our friendly, expert
advisors.
Complete peace of mind
With over 30 years’
experience, you can trust us
to cover everything you need
and more.
The Limits Of Public Liability: What Do You Get?
Our standard cover is:
Up to £5 million public & products liability
PLUS £10,000 financial loss cover (with an option to increase to £50K – read more below)
PLUS worldwide liability cover for temporary work abroad (up to 14 days – excluding the USA and Canada)
With this you’ll get an indemnity limit of £1 million public liability cover, and the option to increase this to £2 million or £5 million.
Your indemnity limit is the maximum amount your insurer will pay for any one public liability insurance claim. In some instances,
customers may require a minimum amount of public liability cover (eg. local authorities tend to ask for £5 million). Should £5
million not be enough to suit your requirements, please give us a call and we’ll be able to arrange this for you.
As well as public liability insurance, we also include cover for the products you supply under our products liability cover. For
further details, please visit our products liability insurance page.
You’ll also receive financial loss cover as part of your public liability policy at no extra charge. Through it, you’ll receive protection
in the event a customer suffers a financial loss not caused by injury or property damage. Any financial loss caused by injury or
property damage would be covered under the public liability section of your policy.
Public Liability Insurance: Frequently Asked Questions
Will I automatically get public liability insurance with any Tradesman Saver policy?
Yes! All of our policies come complete with public liability cover as standard.
Am I covered if one of my staff has an accident at work?

5. If you’re employing staff at your business, you will need to purchase employer’s liability insurance to cover this sort of situation.
You can add this cover when you receive your quotation from us. Please note, employer’s liability is a legal requirement is you
employ staff.
Do I really need public liability insurance if I work from home?
If you’re working from home and customers, or members of the public, come to visit you, or if you see them at their own
premises, taking our public liability insurance is still advised.
What if I have more than one trade?
When you fill out our online quote form, you’re able to select up to 3 trades or occupations. If you need any more than 3 trades
to cover the work you do, it’s not a problem at all – simply give us a ring and we can arrange the cover to suit you. It’s important
to make sure your public liability insuranc policy covers all the business activities you undertake.
Is the cost of public liability the same for all trades?
Sadly, no. Quotations do vary from trade to trade, as some professions and trades involve higher risk than others. This is
reflected in the cost of your cover.
Does public liability give me cover for advice I give?
If your business offers advice, for example on design or specification, this is covered by professional indemnity insurance.
Should you require it, you can add this cover when you get your online quote. Please note, if professional indemnity insurance is
not available online for your trade, please contact us and we can arrange a separate policy for you.