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Tradesman Public Liability Insurance

Easy, quick and bespoke business insurance for trades professionals.

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Trusted by over 23,000 clients for their business insurance
Quick and easy online cover for your profession
Rated 4.7 out of 5 by over 3,500 clients at feefo.com
Tradesman insurance

Caunce O’Hara business insurance for trades professionals offers comprehensive industry-specific cover for a range of risks faced daily by tradespeople.

Trades professionals are typically in close contact with members of the public on a daily basis. Therefore, it is imperative for tradespeople to carry Public Liability insurance (PL) to ensure they are covered in the event of a potential accident or property damage.

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What is tradesman public liability insurance?

Our Public Liability insurance (PI) for tradespeople has been written to meet industry-specific risks and provide you with the protection you need should a claim arise as a result of an accident, injury or property damage caused by your work.

Why do trades professionals need insurance?

Trades can be high risk professions, both to yourself and potentially to your clients and members of the public. As such, accidents happen resulting in injuries to fellow on-site tradespeople and property can be damaged.

Why choose Caunce O'Hara for your business insurance?

As freelance insurance experts, we're your number one choice for your business protection.

tradesman insurance

Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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Golden star
Good cover, good price, very efficient process & great staff. Brilliant! The two members of staff I spoke to were friendly, knowledgeable, and sent the necessary information and documents over to me within about a minute of putting the phone down. All in all, probably the most pleasant experience I've ever had in arranging insurance.
Trusted Trades Customer
Golden star
Efficient and simple. A renewal should be a simple process, and it was. Caunce O'Hara kept me informed with updates. I spoke to an advisor who was prompt and efficient. The documentation came through immediately and is clear so I am set up for another year.
Trusted Trades Customer
Golden star
Provided expert advice and offered required cover. Have provided cover for several years and always competitive and efficient.
Trusted Trades Customer

Frequently Asked Questions

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.

Contact us

Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today