Tradesman Public Liability Insurance

Whether your job is specialised, or you work across many different trades, incidents can happen that may be out of your control; these incidents could lead to a costly public liability claim against your business.

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Product Page: Tradesman Public Liability Insurance

Protecting Your Business

Whether your job is specialised, or you work across many different trades, incidents can happen that may be out of your control; these incidents could lead to a costly public liability claim against your business.

As a tradesman, your business faces many risks; a member of the public injuring themselves on your premises, or perhaps a client’s item of property getting damaged during a visit. Therefore, you need to protect yourself against these risks with appropriate tradesman public liability insurance.

Tradesmen public liability insurance cover protects against the unexpected. If for example, a member of the public were to claim against your business in relation to injury or damaged property, you’d be covered for the cost of any compensation owed to them, plus any legal costs incurred during the claim.

At NICEIC and ELECSA Insurance Services, we provide comprehensive, affordable tradesman insurance cover for contractors

The Power Behind Your Business

At NICEIC and ELECA Insurance Services we are dedicated to helping protect your business when things go wrong.

We work with leading and specialist UK insurers to secure insurance that’s designed for you and only you – it’s comprehensive, tailored and affordable.

Unlike price comparison sites, we don’t leave you to do the hard work yourself, and risk ending up with the wrong cover, whether that’s too much or too little. We put in the effort to understand your needs before doing the work of securing quotes and, once you are happy, getting your insurance set up straight away.

No hassle. Just the cover you need, at the right price.

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Our Tradesmen Public Liability Insurance

We understand time is precious; finding time to search online for tradesman liability insurance cover can be challenging. Let us do the hard work for you – we’ll ask you some questions to assess your requirements, then we’ll search our specialist UK-based insurers for the cover you need, guiding and advising you along the way.

The main liability cover features can be extended by adding a range of optional extras such as cover for loss or damage to tools and office equipment and goods in transit and to create bespoke protection.

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Related FAQs

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What is Public Liability Insurance?

Public liability insurance is designed to protect your business if negligence on your part causes injury to a third party or damage to their property. It covers the cost of compensation, damages, and any legal costs incurred by third parties in making a successful legal claim against you. As an example, if you installed some wiring that later caused a fire which damaged or destroyed a building, and it was later deemed that you were negligent, your contractors public liability insurance would pay the costs and compensation – up to the maximum level of cover (or limit of indemnity) indicated on your policy.

How Much Public Liability Insurance do I Need?

The level of protection you take out depends on the type of risks you face. It’s really an individual decision based on the nature of each business – though it’s worth finding out what level of cover potential clients expect you to have. There may be a minimum requirement of cover required depending on the nature of the job – for example if it’s a commercial contract for a council they may require a higher level of cover compared to a domestic job. We offer public liability cover ranging from £1 million up to £10 million, depending on the insurer.

What is the Difference Between Public Liability and Employers Liability?

They are very different policies. In essence, employers liability protects against death or injury to employees whilst at work, while public liability protects against death or injury and damage to property, affecting everyone apart from employees, and which comes about as a result of your work.

What is an Employee?

An employee is someone who works part-time or full-time under an employment contract.

What is a Labour-only Sub-contractor?

Labour-only sub-contractors work under your direction and typically use tools and materials you provide ‒ and are paid by you or through an employment agency.

Are Bona Fide Sub-contractors Treated as Employees?

Bona Fide sub-contractors are paid by the main contractor, but work under their own direction, provide their own materials and tools – and usually have their own public liability insurance in place.

What is Professional Indemnity Insurance?

Professional indemnity cover protects you and your business in the event of legal claims relating to advice you have provided and will cover the cost and expenses incurred in your defence.

What is Efficacy Cover?

Efficacy cover provides liability cover which protects you in the event of an injury to a third party or damage to their property, as a result of a product or service’s failure to perform its intended function. This may include failure due to a product fault or its installation, such as: - An alarm system. - A fire control or extinguishing system. - An electronic security system e.g. shutters, access gate, or CCTV cameras.

What is Contract Works Insurance?

Contract works insurance protects against damage to any property that is part of the permanent or temporary works being executed by you – that includes things like materials and other items supplied or used in connection with the contract.

What is Own and Hired in Plant Insurance?

Own plant and/or hired in plant cover is vital for any tradesmen who often use complex plant machinery and equipment at work. It either covers loss or damage to plant you own, or any legal liabilities resulting from loss or damage to plant you have hired in – for instance compensation due under any hire agreement.

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