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Public Liability > Public Liability Insurance> Public Liability Insurance Quotes

Public Liability Insurance
Cheap online quotes for UK and Northern Ireland

Quotes are available for public liability insurance for contractors and professionals needing insurance. As Insurance Brokers we offer a range of liability insurance products with many available online (below). As well as public liability insurance, we can quote for employers liability insurance, personal accident insurance, tools insurance and contractors all risks insurance.

On this page the public liability insurance premiums are for firms with up to 10 employees. If you need liability insurance for larger firms, or insurance for a trade that is not listed then contact us and we can obtain a bespoke insurance quote. The liability insurance quote will be based on wages/ turnover.

Get your public liability insurance quote now!

An overview of public liability insurance if needed

Public Liability Insurance and the self employed/ sole trader.

If you are self employed or sole trader then public liability insurance is all that is required: There is no need for employers liability insurance until you actually employ someone. However the public liability insurance policy will have to be extended to cover employers liability if you take on an apprentice or even a youngster for a short period.

Public Liability Insurance for a small business.

If you run a small business your public liability insurance needs are different. In addition to public liability insurance you definitely will need employers liability insurance as well. The premiums for employers liability insurance can be substantially more depending on how dangerous the occupation is, as you now have a responsibility for the people you employ. 

Public Liability Insurance quotes and location

Please note that the quotes obtained on this site for public liability insurance are designed for contractors who spend their time working mainly away from their premises/ home. If you work at fixed premises then a commercial combined/ office insurance policy may be more suitable. As in most cases, please contact us for advice.

The the size of business

If your firm is less than 11 workers liability insurance quotes are available online. Liability insurance for larger firms is available on a wages/ turnover basis. Please call us for an insurance quote on this basis.

We compare the following insurance companies

We are agents for several liability insurance companies The insurance companies we quote online are::

  • Public liability insurance is available through FORTIS insurance on their SEMPLOY Contract

  • We also provide public liability insurance through the MMA MASTER TRADESMAN Contract

  • AXA Insurance

  • Kerry London Underwriting Agency

  • INK Underwriting Agency

  • Ingham Underwriting

  • Hathaway

  • Allianz Insurance

  • Groupama

Policy Summary/ Key Facts

Below are the public liability insurance policies and key facts for some of the insurance companies above. If we do not have these online we shall send you details before you take out the insurance policy. When you obtain your online insurance quote further links will be provided so you can review the cover.

Insurance Company Policy Summary Policy Wording
Fortis Insurance Not Available Not Available
MMA Insurance MMA Insurance MMA Public Liability Insurance
AXA Insurance AXA Insurance AXA Public Liability Insurance
KLUA KLUA Not available
INK INK INK Public Liability Insurance
Ingham Not Available Not Available
Hathaway Not Available Not Available
Allianz Insurance Allianz Insurance Not Available

Optional Policy Benefits

In addition to the compulsory public liability insurance section, other insurance options are available.

  • Employers Liability Insurance - to cover your liability to your employees/ Labour Only Subcontractors

  • Tools cover - insurance can cover the tools of the principals/ directors

  • Contractors All Risks Insurance - to cover the contract works, own plant, hired in plant, tools and equipment etc

  • Personal Accident insurance - to cover you if you have an injury at work. We can quote 24/7 cover if you want it

  • We offer business legal expenses insurance from £42.00 (in fact you can take this out even if you don't take out any other policy with us)

You can obtain public liability insurance quotes with/ without tools. You can only get a guide to the insurance premiums for contractors all risks insurance and personal accident insurance and we recommend you contact us so we can assess your needs for this wider cover.

If you want public liability insurance and are a larger contractor please contact us for an insurance quote. As usual the liability insurance premium will be based on turnover/ manual/ clerical wages/ woodworking machinery wages. (We will also in most cases look at a wages-based quote for contractors up to 10 employees as well as the premiums you obtain below - so please submit the quote with the wages details completed) or call us on 0844 8262618

From April 2005 new laws about working at a height came into force. Have a look here

What we provide.

  • Public Liability Insurance for a wide number of trades

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

  • Wide range of insurance 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 from many liability insurance companies - save up to 7%

  • Insurance companies offer monthly direct debit available in many cases (25% deposit 10% on balance APR variable)

  • Special liability insurance rates for plumbers and electricians which may include damage for property worked upon.

The liability insurance rates that you obtain below are more suitable for the smaller tradesman up to 10 or so employees.

Public Liability Insurance quotation system - fast cheap online quotes
Employment Status
Experience in Trade Where are you based?
Years Claim free Trading (Previous insurance details will be needed if a discount is given)
Business needing insurance

We can of course offer liability insurance quotes for other occupations or if you do not qualify for this insurance scheme or need wider cover Tel 0844 8262618)
No of Manual workers (The insurance premium is based on yourself, partners and employees, labour only subcontractors, work experience and trainees : exclude clerical staff)
No of Manual employees (For employers liability insurance: exclude partners in a partnership and clerical staff but INCLUDE manual working directors if a Ltd company as well as the categories above)
(Liability insurance is based on the number of workers (public) and employees (employers). 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 an insurance quote 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

Sub-contractors

The liability insurance premiums may depend on how you utilise sub-contractors. Many firms use BFSCs (Bona-Fide Sub Contractors) AKA 'Supply and Fix' which are contracted to do part of a work. They operate without instruction by the main contractor and supply their own tools and materials (and liability insurance). If you use BFSCs it is probable that your liability insurance policy will require you to ensure that they hold the same level of insurance that you do and that this is checked. YOUR insurance policy will NOT cover THEIR liability arising out of their actions but will cover YOUR liability arising out of their actions. However you need not declare them as employees/ workers to obtain a liability insurance quote.

You will need employers liability insurance to cover LOSCs (Labour Only Sub Contractors) who 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 insurance quotation system to obtain an accurate insurance quote.
Is insurance 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 insurance. (for up to £50,000,000 insurance cover is available on referral)
The limit you select for your public liability insurance should 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 Insurance (Only if you don't need contractors all risks insurance)
Optional insurance for Own Plant Tools, hired in plant, own plant are best insured under a contractors all risks insurance policy
Optional insurance for Hired-in Plant
Optional insurance for Contract Works

Contractors all risks insurance is available - see here for a guide

When you get a quote you may see a button. This means that we have facilities so that a policy issued by that insurance company can be bought on-line. HOWEVER the premium/ terms may vary slightly from those we state (usually the premium is less and the excess slightly higher). If you select this button you will be taken to our quote and buy facility. It may well be that even if not shown, a cheaper policy may be available through the system than the ones we show so it could be well-worth your while trying to obtain a quote this way. (It does not matter which button you press to get to the facility.)


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A List of some of the occupations we can quote for public liability insurance

Links to our other lists of policies

Professional indemnity, bad debt, credit performance bonds
 B Portwood & Company and landlords insurance - an overview of the site - not just liability insurance.

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