As a sole trader, you are personally liable for any claims arising from your business activities. If a client or member of the public is injured or their property is damaged because of your work, you.
As a sole trader, you are personally liable for any claims arising from your business activities. If a client or member of the public is injured or their property is damaged because of your work, you could face a claim that puts your personal assets at risk. Public liability insurance protects you by covering the cost of defending a claim and any compensation awarded. Many clients and contractors require evidence of cover before allowing sole traders to work on their premises.
Most sole traders working on domestic properties need at least £1m to £2m of public liability cover. Commercial contracts and local authority work often require £5m or more. The level of cover you need depends on the type of work you carry out, the value of the property you work on, and the contracts you need to fulfil. Focus Insurance will help you identify the right limit for your specific trade and client base.
Public liability covers claims for physical injury or property damage caused by your work. Professional indemnity covers claims arising from advice, designs, or professional services you provide. If you give advice as part of your work — for example as a consultant, designer, or surveyor — you may need both covers. Focus Insurance can arrange combined policies that provide both types of protection under a single policy.
Public liability insurance is not a legal requirement for sole traders in the UK. However, it is effectively essential for most trades. Many clients, contractors, and local authorities require evidence of cover before allowing you to work. Without it, a single claim could threaten your personal finances.
Some insurers offer monthly payment options for sole trader public liability insurance. Annual policies are generally more cost-effective overall, but we can explore flexible payment arrangements when arranging cover on your behalf.
Standard sole trader policies typically cover only the named insured. If you use subcontractors, you should confirm whether they are covered under your policy or whether they need their own insurance. Many policies require subcontractors to hold their own public liability cover.
Cover is subject to underwriting, insurer terms and acceptance. Focus Insurance Services is authorised and regulated by the Financial Conduct Authority (FRN 717691).