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What is Public Liability?

Public liability insurance covers you for the cost of a claim made by a member of the public that has suffered injury or property damage as a result of your business or a product it has supplied. This means that it protects you against the cost of compensation to be paid out, as well as the legal expenses incurred by the claims process.

This could mean anything from a client or member of the public slipping on a wet floor on your business premises, to tripping over your work equipment when you’re visiting them at theirs. It also covers you for damage to property. For example, if a member of the public were to claim you’d broken their laptop whilst visiting them on business, you’d be covered for the cost of compensation owed to them, up to the limit of your policy.

If you’re a self-employed tradesman or you run a small business with employees, you’ll need business insurance.

A specialist tradesman insurance policy can cover a range of business insurance elements, depending on your needs and those of your business. Tradesman insurance can be tailored to cover your businesses specific risks, whether you’re a builder, cleaner or plumber. From public liability to tool insurance, find out more about what tradesman insurance can include.

Public liability

Public liability cover is at the core of any tradesman insurance policy.

If your company has any contact with a third party, then you’ll probably need public liability insurance.

While public liability isn’t a legal requirement, it’s important to protect your business in the event a third party is injured or their property is damaged.

Public liability is intended to cover any legal expenses resulting from a claim, and compensation paid to the claimant.

Professional indemnity

If your firm offers advice and expertise, you may need professional indemnity cover. This protects you in the event a client believes you have been negligent, and covers any compensation or legal fees resulting from that claim.

Employers liability insurance

If you employ staff, it can be a good idea to take out employers’ liability insurance.

This protects your employees in the event of an accident or illness due to work, and covers you in the event you’re liable to pay compensation.

Business interruption insurance

If you’re stopped from doing business due to illness, injury or other issues outside your control, business interruption insurance will cover your costs and loss of income while you’re unable to run.

Tools Cover

Insuring your tools should be a priority for tradesmen, whether you’re a builder, hairdresser or dog groomer. Tools are essential for many jobs, and if you don’t have yours because of loss, damage or theft you could end up losing work and having to pay for new equipment.

Tool insurance may be included in your tradesman policy, available as an optional extra, or as an additional policy purchased separately.