Our public liability insurance
Public liability insurance gives you and your business protection should a claim be made against you. This could be damage or injury to people or property as a result of your work.
Having public liability is not a legal requirement but it is good business practice. Local authorities will generally demand a minimum level of £2m public liability insurance for works to be undertaken at their premises or on their behalf.
Our public liability cover is available for over 100 contracting trades and professional occupations. Cover is available in steps of £1m, £2m and, for the majority of cases, £5m. Our product is specially designed to cover individual tradesmen, professionals and small businesses, up to a total of 10 people, with or without limited company status. Where we cannot provide an automatic online quote or your trade or profession is not listed, please follow on the on-screen instructions and we will still endeavour to get you a quote.
Our public liability product is underwritten by the Groupama insurance group.
Our employers liability insurance
If you require it, you may take employers liability insurance as part of this product.
Employers liability insurance covers you if any of your employees have an accident at work and make a claim against you. Employers liability insurance will help meet the costs of compensation or legal fees for employees who are injured or made ill at work through the fault of the employer.
Our employers liability insurance comes at the industry standard level of £10 million. If you do not have employees, or do not require employers liability insurance, you do not have to include it in your policy.
Our Professional Indemnity
Professional indemnity insurance protects you from claims by dissatisfied clients.
Professional indemnity insurance covers, for example, if you mis-quoted a third party, gave guaranteed advice that failed to hold up or accidentally infringed a third parties rights. In the professional world it is impossible to cover every eventuality, and claims can bring down individuals and small businesses in one move. | 
