A tradesperson in a face mask uses a circular saw to cut timber outside a residential property, surrounded by dust and focused on precision work.

Public liability insurance

Affordable Protection Designed for the Risks You Face

Fast claims processing
No hidden fees
Prices from £6.07 a month*

Why do you need public liability insurance?

Public liability insurance covers various situations where your work as a tradesperson could lead to third-party claims.

For instance, if you’re a builder and accidentally damage a client’s driveway while unloading materials, this insurance will help cover legal fees and compensation.

What’s included?

Accidental injury to a member of the public
Damage to a member of the public's property
Health and safety defence costs
Court attendance costs

What’s not included?

Damage to your own tools or equipment
Fines and penalties
Asbestos-related claims
Bodily injury to your employees (for this you'll need Employers Liability added to your policy)

This content has been created for general information purposes. To ensure you have the correct level of insurance please see our full policy wording.

Download policy wording

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Insurance built around the needs of the UK’s small businesses

Fast claims processing

If you need to make a claim, we've made it quick and easy, so you can get straight back to work knowing everything’s being taken care of.

Top-rated Customer Service team

Our friendly South Wales-based team is here to assist you every step of the way. Give us a call to speak directly with our specialists, who are ready to provide the support you need.

Everything in one place

Our easy-to-use online portal allows you to access your policy documents, manage payments, and make changes, all in one place and at your convenience.

Zero hidden fees

Update your policy at any time with complete flexibility, and enjoy the peace of mind that comes with no penalty fees, no admin charges, and no hidden costs.

Public Liability Insurance FAQs

1. What does public liability insurance cover?

Public Liability Insurance protects your business from financial losses if a member of the public is injured or their property is damaged as a result of your work. Here are some key things it covers:

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• Accidental injury to a member of the public: This covers situations where someone is injured due to your negligence while you're working on a job. For example, if a customer trips over a tool and breaks their arm, or if you accidentally knock over a ladder and injure a bystander.

• Damage to a member of the public's property: This covers situations where you accidentally damage a customer's property while working on their house or business. For instance, if you accidentally drill a hole in a customer's wall or leave a paint spill on their carpet.

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2. Are there any circumstances under which a claim might be denied?

We understand you might have questions about what your public liability insurance covers. While we strive to be there for you, there may be some situations where a claim wouldn't be covered under your specific policy.

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To get the most accurate details, we recommend reviewing our Policy Summary. This document outlines everything your insurance covers and some common exclusions.

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Here are a few examples of situations typically not covered by public liability insurance:
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• Damage to your own property: This policy protects against third-party claims, so if you damage your own tools or equipment, it wouldn't be covered.

• Asbestos-related claims: Due to the specific risks involved, these claims are usually excluded.

• Intentional acts: If you intentionally cause damage, it wouldn't be covered.

• Cyber Liability and Computer Viruses/Hacking: Public liability doesn't cover data breaches or cyberattacks. Consider cyber liability insurance for this.

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Remember, this is not an exhaustive list. If you have any questions about a specific situation, don't hesitate to contact us! We're here to help you understand your coverage and ensure you have the right protection for your business. Reach us at 020 3808 7099.

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3. How can I adjust my coverage if my business changes?

Business changing? We can adjust your public liability insurance with ease!

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Our public liability insurance is flexible – you can increase your coverage as your business grows without incurring any fees; you’ll only pay the additional premium for the higher coverage. Just give us a call and we'll walk you through adjusting your policy to perfectly fit your current needs. Reach us at 020 3808 7099.

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4. What support is available if I have questions about my policy?

Our friendly support team is always happy to answer any questions you might have about your public liability insurance policy. Feel free to reach out to us in whichever way is most convenient for you:

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• Call us: Our phone lines are open at 020 3808 7099 (9:00-18:00, Mon-Fri).

• Email us: Send your questions to our team at contact@admiralbusiness.com and we'll get back to you as soon as possible.

5. How do I report my claim?

*£6.07 is the price for a Public Liability policy for a single barber, among other trades, with £1,000,000 worth of cover. It is the equivalent of £72.80 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 28th April 2025.