Public Liability Insurance

We understand how time consuming and frustrating it can be searching around for public liability insurance which is why are happy to confirm that as a public liability insurance broker we are able to provide instant online quotations from several insurers at a time meaning we do the searching so you don't have to and ultimately you will save time and money on your liability insurance policy.

Public liability insurance covers any damage caused by the insured to a customers(third party) property, for example if you were a carpet fitter and knocked over an expensive vase while carrying your carpet in then this is when your liability insurance would come into effect. A second example of what your self employed public liability insurance would cover you for is if you were a bricklayer working high up and dropped a brick which caused damage to a third parties property then you would obviously be liable for the cost of repair or replacement. Your liability insurance also provides cover for any injury which a third party receives if it if your fault, for instance if you were a builder and left a tool on the ground which a third party then tripped over and injured themselves then you would usually make a claim on your public liability insurance.

As an insurance broker we are able to provide a very wide range of different services, we have compiled a short list of what we can provide online below:

• Public liability insurance UK
• Liability insurance UK
• Public liability insurance quote
• Liability insurance quote
• Employers liability insurance UK
• Employers liability insurance quote

For your peace of mind we only provide liability insurance from well known insurers which are authorised and regulated by the relevant authorities. Because we specialise in public liability insurance we have produced our own online system to provide competitive quotes from many insurers at a time meaning you don't have to search around yourself. We understand the needs of the small business owner which is why we provide such cheap quotes with extensive cover.

Liability insurance quote

Public liability insurance isn't legally compulsory but it is highly recommended to have cover in place as it drastically reduces your financial risk, for instance a valid policy can free up capital which would otherwise be put aside as a contingency fund. Also if you are going to work on a building site then the main contractor will usually insist that you cannot work(or be paid) until you can supply evidence of a valid public liability insurance policy. For this reason we specialise in providing immediate cover and allowing you to print proof of cover in the comfort of your own home. We can also provide copies of your liability insurance documents via fax meaning even if you don't have such technology in place, we can still provide proof of cover to anyone you wish. There are many insurers available in this field, for example AXA Insurance, groupama, MMA and fortis. Not only do we offer public liability but can also provide a quote for employers liability insurance if you have employees.

Some liability insurance policies will also give you the option of including tools cover which will offer you protection against loss or damage. Obviously some tools are very expensive so it makes sense to include this cover in your public liability insurance if you make use of tools.

Some examples of when your public liability insurance would usually provide cover are shown below although for exact policy details to see what you will be covered for you should carefully read the public liability insurance quote details and keyfacts.

Public liability insurance - Property Damage



• Alarm Installer - You could be working in a property installing an alarm and whilst securing cables accidently put a nail into a pipe.


• Artexer - If you were carrying out work on a property with regards to artexing and accidently caused damage to a light fitting.


• Bricklayer - Whilst building a brick wall you could accidently drop a brick and cause damage to the customers driveway


• Builder - As a builder there are many events you would want public liability insurance for to provide cover for. For example if you were working on a property and accidently damage part of the building whilst working


• Bathroom Installation - During the course of your occupation as a bathroom installer you may accidently cause a leak which floods the property causing damage and the customer passing the liability of the damage onto you meaning you turn to your insurance.


• Carpenter - Whilst working on a door you may accidently let it drop and cause damage to the customers property which you may need to claim


• Ductwork installers - Whilst carrying your tools into the property you could accidently knock over an expensive ornament.


• Drylining - During your general tasks as a dryliner you could accidently cause damage to a customers property meaning you need to make a claim on your public liability insurance.


• Glazier - Whilst fitting a window you could accidently cause damage to a window frame and the customer may hold you liable for the damage.


• Roofers - You could be working on a roof and accidently knock a tool which could land on a patio and cause damage to the clients drive way.


• Groundworkers - If you were laying a curb and accidently dropped a large piece of material you could cause serious damage to a public road which you may be liable for the cost of repair or replacement.


• Joiners - There has been a large surge in liability insurance for dry liners in the UK due to increased risks with regards to accidently damaging customers property during the course of the occupation.


• Plumbers - When plumbing you need to take into account the liability you have for damage you may cause to a third parties property, for example if you were working on a pipe which leaked and flooded someones property causing damage to their belongings..


• Satallite Installers - There are many benefits of obtaining a public liability insurance quote online for your job as a satallite installer, afterall if you were to be drilling for a support bracket and accidently caused damage to the clients property you could be liable for the cost of the damage you caused.

Public liability insurance - Injury



• Roofer - Whilst working on a roof you could drop a tool and cause an injury to a member of the public who was standing below or walking past below.


• Groundworkers - During the course of your occupation you could leave tools laying around which a member of the public may trip over and injure themselves holding you liable for the injury.


• Plumbers - You could be performing repairs and leave some work materials on the ground which the customer falls over and injures themselves, for example hitting their head on the floor.


• Window cleaner - Whilst cleaning a window up high on a ladder you could drop your bucket which can cause a serious injury to anyone below meaning there could be a large claim against your liability insurance.


• Painter - As a painter you may carry alot of materials around with you and have to leave them at times, this obviously poses a hazard incase anyone misses them and bumps into the materials which in turn causes an injury to them.