Public Liability, Per Capita Liability or Tradesman's Insurance, different insurers give it different titles

What is Public Liability Insurance?

Public liability insurance protects you (and your business) should a client or the public suffer an injury or property damage due to your business actions. It can pay for the costs legal expenses and / or compensation claims.

Do I need Public Liability Insurance?

Unlike Employers Liability Insurance, Public Liability insurance is not a legal requirement. For some trades this may be required by thier regulatory bodies, or cover can also be required under a contractural obligation.

For example, clients (or locations) may stipulate that you must have a minimum level of insurance in place before you can commence work.

How much cover do I need?

As above you may be advised by your regulatory bodies, or customers how much cover is required, however usual cover options are £1,000,000 - £2,000,000 - £5,000,000 and £10,000,000

You work hard to earn valuable income, it therefore makes good commercial sense to ensure you are getting the very best value for money from your insurance and have essential cover where it is required and with insurers with an excellent claims service record.

At Aspire Insurance we pride ourselves on our personal, quick and efficient service, with access to hundreds of insurers to match the best policies to your needs.

Available for Sole Traders or Limited Companies. From one to ten employees, optional covers on this product often include things like Employers Liability and Tools cover with many others depending on the insurers.

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