A public liability UK insurance policy is designed to protect your business financially if someone takes action against you. Specifically, this might be due to injury or property damage that takes place as a result of your motor trade business activity.

For example, if you had to pay out compensation because of an accident that took place on your premises or that you caused while working, your public liability insurance would cover these costs. Without public liability insurance, this would mean you’d have to pay those costs out of your pocket.


There are many benefits to having public liability insurance in the UK motor trade business. If you deal with the public, public liability cover is a sensible choice to protect your business from potential costs if accidental damage or injury takes place. This is especially the case if you operate from a business premises, or if you go to customers’ homes to carry out work.

Public liability insurance is a good idea for small businesses, sole traders, freelancers, and contractors as well as limited companies in the motor trade industry.

How does public liability insurance work & WHAT DOES IT COVER?

Public liability insurance covers your business for the cost of compensation claims, repairs, medical fees and legal expenses, if a member of the public is injured or suffers a loss as a result of your business activities.

What does public liability insurance cover? With public liability insurance in the UK, this can cover incidents on your own business premises, at a customer’s premises, as well as on other sites.

There are numerous benefits to having UK public liability insurance in place, as it means you can keep you and your motor trade business as protected as possible.


Whilst public liability insurance is not a legal requirement, you may find it very difficult to trade motor vehicles 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 need public liability cover.

How much does public liability insurance cost?

The cost of your public liability insurance will depend on specific factors about you and your business. Generally speaking, it can cost less than £200 for public liability cover of up to £2m or less. A typical public liability UK insurance policy with £2m cover can cost around £173 for the year. Likewise, £5m worth of cover could be around £210 per year.

Why choose Tradesure Insurance?

When comparing UK public liability insurance quotes, it can be hard to find the balance between the cheapest price and the best level of cover. A Tradesure public liability Insurance policy offers both competitive prices and comprehensive protection for you and your motor trade business.

To get your free public liability insurance quote, please fill out the form below and a member of the team will be in touch as soon as possible.

Get a free public liability insurance quote today


Umbrella Icon

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 the 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:

How long does public liability insurance last?

A public liability insurance policy with Tradesure will last for 12 months as standard. However, if a customer wants to make a claim against your business under your UK public liability insurance, they will be able to do so for up to 3 years after the incident date. This claim would be handled by the insurer you took the policy out with.

Recommend a friend icon

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.


1. 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 coverage in place to work for them. If you want to undertake public sector work, you will need public liability cover.

2. 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

3. Can I get public liability insurance immediately 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).

4. How do I claim public liability insurance?

Your insurance company will need:

  • Your name and company details,
  • Your insurance policy number and contact details,
  • Details of the person claiming against you,
  • Details of the incident including the date, time and place it occurred, how it happened, and details of the damage. estimates of damage repairs (if possible).

5. Can You Cover Part-time Motor Traders?

As a specialist Motor Trade insurance broker, we can cover people working in the trade on a full-time basis and on a part-time basis too.