The short version
- Legal requirement?No, but most contractors and many customers expect it.
- What it coversDamage to other people's property, or injury to the public, caused by your work.
- Typical coverOften £1m, £2m or £5m. Contractors may set a minimum.
- Employers' liabilityA legal requirement as soon as you employ someone, minimum £5m.
One slip with a drill through a water pipe, or a ladder falling on a car, can cost thousands. Public liability insurance pays for the damage and any legal costs, so it doesn't come out of your pocket.
What it covers (and doesn't)
- Covers: accidental damage to customers' or third parties' property, and injury to members of the public caused by your work.
- Doesn't cover: your own tools, your van, injuries to your own staff, or the cost of putting right poor workmanship.
How much cover do you need?
Many policies offer £1 million, £2 million or £5 million. Domestic jobs often run on £1–2 million. Commercial sites and main contractors commonly ask for £5 million or more, so check before you buy.
Employers' liability: the one that's compulsory
If you employ anyone, even part-time or casually, the law says you need employers' liability insurance from an authorised insurer, covering at least £5 million. You can be fined £2,500 for every day you're not properly insured. There are limited exemptions, such as if you only employ close family members.
Buying it
- Compare quotes from specialist trade insurers and comparison sites.
- Be accurate about your trade and the work you do. Hot works, working at height and heights limits often change the price.
- Bundle tools and employers' liability if you need them. It's often cheaper.
- Keep your certificate on your phone. Sites will ask for it.
Quick answers
Is public liability insurance a legal requirement?
No. Employers' liability is, if you have staff. Public liability is optional but often required by contracts.
Do apprentices need their own public liability?
Not usually while employed. Your employer's insurance normally covers your work. You'll need your own once you work for yourself.
Does it cover my tools?
No. Tools need separate tool insurance.
How much does it cost?
It depends on your trade, the cover level and your claims history. Get several quotes.