What is tradesman liability insurance?

Tradesman liability insurance covers tradespeople against claims arising from their work. Public liability covers injury to third parties or damage to their property. Employers liability is legally required if you employ staff. Tools cover protects your equipment.

Is public liability insurance a legal requirement for tradespeople?

Public liability insurance is not a legal requirement for sole traders in the UK, but many clients and contractors require it before allowing work on site. Employers liability insurance is a legal requirement if you employ anyone, including subcontractors in some cases.

How much public liability insurance do tradespeople need?

Most tradespeople require a minimum of £1 million public liability cover, but £2 million or £5 million is more common. Some commercial clients and local authorities require £5 million or more. The right level depends on the nature and scale of your work.

Tradesman Public Liability Insurance

Tradesman public liability insurance arranged for UK tradespeople and contractors. Builders, electricians, plumbers, and all trades covered by an FCA-regulated broker.

Cover is subject to underwriting, insurer terms and acceptance