Do sole traders need public liability insurance?

Sole traders are not legally required to have public liability insurance, but it is strongly advisable. Many clients, contractors, and commercial premises require proof of public liability insurance before allowing work to proceed. Without it, a single claim could be financially devastating.

How much public liability insurance does a sole trader need?

Most sole traders require a minimum of £1 million public liability cover. However, £2 million or £5 million is more common, and some commercial clients require £5 million or more. The right level depends on the nature and scale of your work.

Sole Trader Public Liability Insurance

Public liability insurance for sole traders and self-employed contractors. Cover for claims arising from injury or property damage to third parties. Arranged by FCA-regulated brokers.

Cover is subject to underwriting, insurer terms and acceptance