Public Liability Insurance quotes
UK and Northern Ireland only

We offer public liability insurance to compare cheap online public liability insurance quotes for the small business self employed, sole trader and Limited companies based in the UK and northern Ireland at a low cost. As well as public liability insurance quotes, we also offer insurance for employers (if necessary) with the option of including tools cover, contractors all risks (hired in and own plant as well as the contract works) as well as accident cover. 

The online insurance quotes we compare are for the UK contractor who can qualify for a per-capita insurance contract - this usually means fewer than 10 workers. We offer insurance quotes for many occupations,  ranging from scaffolding, steel erecting and roofing contractors to floral arrangers and dog walker.

Insurance quotes are available for larger building contractors  based on a turnover/ wages declaration. We also offer contractors all risks insurance for builders and the like as an additional insurance policy should your demands and needs require this cover. Some of our per-capita insurance policies also can be extended to cover contractor's all risks.

New Insurance Rules 

The rules for employers insurance have changed. From February 2005, UK Ltd companies that only have one employee, who also owns more than 50% of the shareholding no longer need to have employers insurance. If your business falls into that category you may rate yourself as a sole trader for this quotation.

From April 2005 new laws about working at a height came into force. Have a look here to see if you are affected.

Our insurance quotes offer the following benefits

  • Insurance for a wide number of trades

  • Our insurance quotations initially are on a per-capita basis - no wages declaration needed

  • Wide range of cover for allowed properties to be worked on - usually no height limit.

  • Choice of  sums insured from £1,000,000, £2,000,000, £5,000,000 and £10,000,000 (higher limits available if needed)

  • Competitive rates - save up to 7% 

  • Monthly direct debit available in many cases (25% deposit 10% on balance APR variable)

Larger contractors

The insurance quotes that you obtain online below are more suitable for the smaller tradesman and contractor.

Our public liability quotation system - fast quotations for many trades.
Employment Status
Experience in Trade Where are you based?
Years Claim free Trading (Previous insurence details will be needed if a discount is given)
Business

We can of course quote for other occupations or if you do not qualify for this scheme  or need wider cover Tel 0870 0669295)
No of Manual workers (yourself, partners and employees, labour only subcontractors, work experience and trainees : exclude clerical staff)
No of Manual employees (exclude partners in a partnership and clerical staff but INCLUDE manual working directors if a Ltd company as well as the categories above)
(For a sole trader the number of employees for insurance should be one less than the number of manual workers, for a partnership the number of employees should be : (no of workers - no of partners). For a Ltd company the two figures should be the same.
No of Manual Directors
(Ltd Liability company only)		 (This is included in the Manual employees - you wont be rated twice)
Are there any clerical staff? If so how many?
Payments to BFSCs Amount: %ge turnover
BFSCs (Bona-Fide Sub Contractors) AKA 'Supply and Fix' are contracted to do part of a contract. They operate without instruction by the main contractor and supply their own tools and materials. If you use BFSCs it is probable that your insurance policy will require you to ensure that they hold the same level of cover that you do and that this is checked. YOUR insurance policy will NOT cover THEIR libility arising out of their actions but will cover YOUR lability arising out of their actions.

LOSCs (Labour Only Sub Contractors) supply their labour only and operate under supervision. You are liable for their actions so you must include their details in the manual workers sections of the quotation system to obtain an accurate insurance quote.
Is E/L required for temporary
manual workers.		 (Labour only sub-contractors must be included as Manual workers)
Employees: fixed power-driven woodworking machinery (Does not mean hand-tools - include directors of Ltd companies)
Limit of cover (for up to £50,000,000 available on referral)
Please ensure that the insurance limit you select will cover you for the worst possible scenario you can imagine e.g. multiple personal injury, large factories being out of work for extended periods, damage to fibre-optic cables etc, etc 
Optional Tools Cover (Only if you don't need contractors all risks cover)
Optional Own Plant Tools, hired in plant, own plant are best insured under a contractors all risks policy
Optional Hired-in Plant
Optional Contract Works

Contractors all risks are available - see here for a guide


List of some of the trades for which cover is available

Abseiling Contractors | Aerial and Satellite Dish Erectors (inc TV) | Agricultural Contractors | Air conditioning engineers | Alarm Installers | Artexers and Covers | Artists (inc murals)  |Artists (exc murals) & Music Teachers | Bathroom Installation | Beautician (exc massage/ aromatherapy) | Bedroom Furniture Installation | Boiler Services (Domestic) |Boiler Services (Non Domestic) | Bricklayers and Hod Carriers (15m height limit) | Bricklayers &  hod carriers (no height limit) | Builders (New PDH's shops & Offices  |Builders - general (15m height limit) | Builders - General | Carpenters and Joiners | Carpet and Upholstery cleaners | Carpet Fitters | Car Valeting | Car Window Etching  | Caterers (exc mobile snack vans - on request) | Cavity Wall Insulation | Ceiling Contractors | Chimney Sweeps | Cleaners | Computer Consultant | Computer Servicing | Concrete repair and drilling | Conservatory and Porch Erectors | Construction Plant Repairs | Curtain and Blind Fitters | Dog grooming |Dog Walkers (no pet sitting) | Dog walkers and Pet sitters | Domestic Appliance installation, repair, maintenance | Domestic Shed, Garage and Carport erectors | Domestic wheelie bin cleaners | Double Glazing Installers | Drain Cleaners | Drilling Contractors | Draught Proofing | Drystone Waller | Ductwork Installation | Electrical Contractors - domestic | Electric Contractors (inc 3 phase)
Electronic Engineers (inc Hi tech) | Exhibition Stand Erectors | Fencing Contractors | Fire surround installation | Fitness Instructors (exc martial arts) | Fitted Furniture (NOT KITCHEN/ bathroom) installers | Floor Surfacing Contractors | Floral / Plant arrangers | Fork Lift Truck Servicing | French Polishers | Garage Plant Installer | Glazing Contractors | Gravediggers | Groundworkers Exc Road Surfacers (1 metre)

Links to our other lists of policies

Contractors, professional indemnity, bad debt, credit performance bonds
 B Portwood & Company and landlords insurance - an overview of the site and types of policy on offer.



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