Tradesman Public Liability Insurance

This insurance will provide protection for anyone who has to visit client’s premises or who receives visitors to their own premises. It covers your business from claims made against it from third parties, for instance if you damage your client’s equipment or injure a member of their staff. We offer three levels of public liability cover – £1 million, £2 million or £5 million.

Please note if you have ANY employees, partners or Co-Directors working for the business, you will need Employers’ Liability insurance. Not to carry such cover is a criminal offence.

Examples of how liability insurance will help you include:

Accidental injury and/or property damage
Accidental personal injury you cause to a member of their staff/public while you are working on a clients’ premises or damage to a clients’ property while you are onsite. Public Liability insurance would respond to provide cover for your legal costs in this instance.

Employee injury or illness
If you employ staff you are required by law to carry a minimum of £5 million of Employers’ Liability (EL) insurance.

EL insurance will cover your business should an employee have an accident while doing their job, or fall ill as a result of the work they have done for you.

Caunce O’Hara’s quick online quote and buy system will show you a quote for your insurance in a few minutes.

An example quote: a self-employed builder with no staff or other directors who has been trading over five years and with no recent claims, would pay as little as £106 per annum for Public Liability insurance with a £1 million liability cover limit. We think is great value considering the cover and peace of mind that you benefit from (Figure correct as of 24.11.2021).

Employers Liability insurance insures the Company against its legal liability for loss, damage, injury or disease caused to an employee and arising out of the course of their employment.

Employers Liability insurance is a compulsory insurance requirement under the Employers Liability Act (1969). Not to carry cover is a criminal offence. Government legislation states that the minimum indemnity limit is £5m.

Whilst for a limited company that has only one director who is also a 100% shareholder, it might be considered that this requirement does not apply. It would be unwise to do so for several reasons:

• Your spouse or partner may be an appointed director and therefore an employee.

• You could at any time in the future take on temporary help or make a request for help in which the status of that request makes you an employer unwittingly or not at the time.

• In the future you may take on full-time help.

Directors and Officers insurance will cover for a claim made against you on a personal basis, which can be made with unlimited personal liability. This claim can be made separately to, and on top of, any claim made against your limited company.

Legal Expenses insurance will cover costs incurred from a legal occurrence that your indemnity and liability insurance does not cover, such as: costs incurred by a tax investigation and expenses incurred from having to attend jury service.

Tools and Trade Materials insurance will cover you for lost or damaged tools and trade materials for which you are responsible. Tools and trade materials insurance cover is available when Public Liability cover is purchased. It cannot be purchased in isolation. We offer five levels of sum insured from £1,000 up to £5,000.