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Public Liability Insurance in a Nutshell

Rhino Trade Insurance 26 January 2022

By reading this article, here's the challenge: in less time than it takes you to make a cup of tea, you'll know all there is to know about Public Liability Insurance.

Public Liability Insurance covers you and your business if you cause accidental death or injury to a member of the public whilst at work. That means if you accidentally kill or injure someone whilst on a job, you will have cover against any claim of compensation made against you.

It also covers you if you cause accidental damage to third party property. That means that if you accidentally damage a customer's property and they sue you and your business, you can claim on your Public Liability Insurance.

Public Liability Insurance should be the bare minimum insurance that self-employed tradespeople take out and is often a mandatory requirement when starting any new job.

We offer Public Liability Insurance for almost any trade, and our levels of cover range from £1m, £2m to £5m, meaning that you can be covered for up to £5million worth of damages or compensation by taking out the policy.

Our prices for liability insurance starts at just over £6 a month, which is far less than the industry average. That's less than a pint of beer (London prices), a cinema ticket (nothing good on at the minute anyway), or even a large bucket of fried chicken (mmm, chicken).

Our public liability insurance has an excess of £500 as standard, but this excess can rise to £1000 if the claim directly results from the use of heat.

Public Liability Insurance can be purchased annually or monthly, and here at Rhino, we don't charge unnecessary interest fees or administrative penalties. The price you are given is the price you'll pay. You can get a quote quickly via our simple to navigate quote engine, and you aren't required to submit your personal details to obtain a quote. Let us know your trade, turnover, and the level of cover you need, and we'll give you a quote (in the words of Tommy Cooper) just like that.

There you have it, Public Liability Insurance in a nutshell. You've even got time to finish making your cup of tea. If you have any other questions about liability cover or any additional insurance we at Rhino can get you set up with, get in touch today.

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