Is public liability insurance legally required for tradespeople in the UK?

No, public liability insurance is not a legal requirement in the UK, unlike Employers' Liability Insurance if you have staff. However, it is almost always a contractual requirement from clients and essential for protecting your business financially.

What is the typical cost of public liability insurance for tradespeople?

The cost varies significantly based on your specific trade, the level of cover chosen (e.g., £1m, £2m, £5m), your claims history, and other factors. It's always best to discuss your requirements with a broker to obtain a tailored quote.

Does public liability insurance offer cover for damage to my own tools or equipment?

No, public liability insurance specifically offers cover for injury or damage to third parties and their property. It does not offer cover for your own tools, equipment, or vehicles. You would need separate tools insurance or 'Contractors All Risks' cover for this.

What is the difference between public liability and professional indemnity insurance?

Public liability insurance offers cover for claims for accidental injury or property damage caused by your business activities, subject to underwriting criteria and terms. Professional indemnity insurance offers cover for claims arising from professional negligence, errors, or omissions in the advice or services you provide, subject to underwriting criteria and terms.

Can I get public liability insurance if I only work part-time as a tradesperson?

Yes, public liability insurance is available for both full-time and part-time tradespeople. The level of risk and premium will be assessed based on the nature and extent of your work.

Public Liability Insurance for Tradespeople: What You Need and Why in 2026

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