PUBLIC LIABILITY INSURANCE

Public Liability insurance is designed to protect your business financially if someone takes action against you due to injury or property damage that takes place as a result of your business activity.

If you deal with the public, and especially if you operate from a business premises or go to customers’ homes to carry out work, public liability cover is a sensible choice to protect your business. This applies for sole traders, freelancers and contractors as well as limited companies.

 

WHAT TYPE OF LIABILITY INSURANCE IS AVAILABLE?

Tradesure’s Public Liability Insurance policy covers your business against:

  • Compensation claims
  • Legal expenses
  • Cost of repairs in the event of property damage
  • Medical fees

If you employ more than one person in your business, you are legally required to have Employer’s Liability Insurance. You can take this out as part of a combined liability insurance policy, which can include extra cover such as:

  • Product liability insurance
  • Directors’ and Officers’ insurance
  • Professional indemnity insurance
  • Trustee insurance

Protect your business against the unexpected. Contact our team directly below or ring 0121 248 9300 to get further information and a quote.

DO I NEED PUBLIC LIABILITY INSURANCE?

Whilst public liability insurance is not a legal requirement, you may find it very difficult to trade successfully without it. For example, clients may stipulate that you must have a minimum level of public liability insurance in place before you can work for them. If you wish to undertake public sector contract work, you will definitely need public liability cover.

WHAT DOES A PUBLIC LIABILITY INSURANCE
POLICY COVER?

COMBINED LIABILITY INSURANCE

Public liability insurance is usually the first level of cover taken out when a sole trader starts trading. Later, when the workload expands and employees are added, they add employer’s liability insurance. This is commonly referred to as combined liability insurance because that’s exactly what it is – several liability insurances combined into one policy. Tradesure offer combined liability insurance with additional cover for:

  • Employer’s liability insurance
  • Product liability insurance
  • Directors’ and Officers’ insurance
  • Professional indemnity insurance
  • Trustee insurance
RECOMMEND A FRIEND

Did you know that you can get £25 for each friend you recommend? Every time your friend takes out a policy with us, you’ll earn £25. There’s no limit on our recommend a friend scheme either, so there’s no cap on the rewards you can get.

Click here to find out more.

FREQUENTLY ASKED QUESTIONS

Do I need public liability insurance?

While public liability insurance isn’t a legal requirement, it’s a very sensible option to protect you from potential claims by members of the public. You may find it hard to trade successfully without it, as some clients may stipulate that you must have a minimum level of public liability insurance cover in place in order to work for them. If you want to undertake public sector work, you will definitely need public liability cover.

What is combined liability insurance?

Commonly a business will take out both public liability insurance and employer’s liability insurance together – this is known as a combined liability policy. Tradesure offer combined liability insurance with additional cover for:

  • Product liability insurance
  • Directors’ and Officers’ insurance
  • Professional indemnity insurance
  • Trustee insurance

Can I get immediate cover over the phone ?

Yes – we can provide immediate cover over the phone once payment has been set up (or paid in full if you prefer).


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