Active Insurance

If you are a self-employed tradesman then public liability insurance is absolutely a must. How it is not a compulsory insurance such as motor insurance but a liability insurance policy will protect your business against claims from third party injury or third party property damage.

If your business employs staff then you must have the Employers Liability Insurance by law. Many individual sole traders and businesses have the public liability insurance cover as part of a packaged policy. For example a shopkeeper will usually take a packaged policy that covers the buildings, contents, fixtures and liability insurance all in one single policy.

For a single tradesman such as a one person builder, plumber, gas engineer, carpenter, carpet fitter etc can take out the public liability insurance cover in isolation. The public liability insurance is usually available for limits of £ 1million, £2million or £5million. Larger sum insured can be catered for but will usually require a call the insurance broker to arrange this.

As well as the self employed public liability insurance policy, additional optional extra covers are normally available such as personal accident and legal expenses policy.

Business such as shops, offices, warehouses and manufactures should ideally look for either a packaged policy a commercial combined policy that will also include public liability insurance within the overall package.

With the internet available to virtually every household within the UK, searching and comparing public liability insurance quotes has never been easier. Most insurance broker’s website offer comparison public liability insurance quotes from numerous insurers.

It is best to say that usually you should try to obtain at least three quotes to get a feel for the price. If your circumstances are such that the online public liability insurance quote systems cannot cater for your needs just ping a quick email to the insurance advisors and they can recommend the best course of action for you.

Most self employed tradesmen should ideally have some form of insurance in place to protect their business, including public liability and even tools cover.

An important thing to note is that sometime the cheapest is not necessarily the best cover or it may not even fit your requirements. Make sure you understand, what you are purchasing meets all your needs. You certainly do not want to find out at the claim stage that the public liability insurance policy you have taken out does not cover you.

Active Insurance is a leading UK broker of public liability insurance for businesses and the self-employed tradesman.