You will be logged off in  seconds due to inactivity and risk losing your quote. Click here to continue using this web page.

What is the difference between Personal and Public Liability Insurance?

Rhino Trade Insurance 23 September 2022

The market is awash with insurance products so it can be easy to get confused over the differences, and sometimes, you can even get specific policies mixed up entirely. 

One common mix-up in the trade insurance industry is whether you need Public Liability Insurance or Personal Liability Insurance. Let us explain the difference and help you with which cover you need for your business. 

Public Liability Insurance in 2 minutes

Public Liability Insurance is your building block to business insurance success. It protects you if a member of the public, a customer, client or supplier suffers an injury or accidental death or any damage to their property because of the work you are undertaking. 

This insurance will protect you if you face legal expenses or need to make a claim. This will be up to your chosen level of cover taken out. 

Public Liability Insurance is there to keep you and your business safe and secure in case of an accident. And we all know working in the trades comes with various hazards that could end in disaster. Having the correct type of insurance will help you rest easy and simply give you peace of mind. Forget Horlicks. Having Rhino’s Public Liability Insurance is what you want! 

Do you need it?

We cannot believe we have to write that sentence but, the simple matter of fact is you don’t actually need Public Liability Insurance under UK law.

That being said, not only does Public Liability Insurance protect your business should an accident happen and you need to make a claim, but it also adds prestige that appeals to new customers, suppliers and contractors. Without the right level of Public Liability Insurance, many clients simply won’t allow you on site as they will see you as a major risk! 

Not only that, if you work for any local councils or want to be accredited by bodies/ associations related to your trade, they most likely will request proof of insurance. It’s because of this and the fact that it protects you from any damage or injury caused that it’s the foundation that all trade insurance policies stem from. 

Taking your policy out with Rhino Trade Insurance couldn’t be easier. We don’t ask loads of daft questions. We get straight to brass taxes and get you a quote in less than 60 seconds. Our policies start at just £6.07 and can be taken out with either £1 million, £2 million or £5 million worth of cover. 

Get a Quote now.

What is Personal Liability Insurance?

So What is Personal Liability Insurance? Well, in the UK, this isn’t a popular insurance product. However, some people still get it mixed up and wonder if they need this or Public Liability Insurance when shopping around. 

Personal Liability Insurance is there to protect you and your family members in case you are held responsible for any injuries or damage to a third party. This type of insurance will cover you for any legal costs and pays for any damages owed. 

It generally comes down to a couple of factors whether you need this insurance or not. To get an idea, you will need to consider your employment status, the industry you work in and whether the country you live in requires it. 

The differences between the two?

Personal Liability Insurance will cover anyone for injury or damage that results in a claim made against you by a third-party individual. This is the defining term. It is a claim AGAINST YOU. For example, if someone comes into your home, trips and breaks their arm, it will be you personally that foots the bill. Likewise, if you visited a local business and caused some type of damage, whether intentionally or not, they could claim against you personally. 

Public Liability Insurance is the commercial version of this insurance. It covers YOUR BUSINESS. So if you cause injury or damage whilst working, it will be your business that needs to pay out. This is the clear distinction between the two, and as we say, Personal Liability Insurance isn’t very popular in the UK, so you shouldn’t worry about it as a tradesperson. 

Find out more about how Rhino Trade Insurances’’s Public Liability policies can help you now. 

Why Choose Rhino Trade Insurance?

Whether you spend your day rewiring homes, fitting pipes, mending gutters, building walls or installing french doors. We have a tailored policy just for you. We are, on average, 40% cheaper than most other trade insurance brokers and can offer protection for your business, income, tools, van, and more. 

Our lovely UK team are based in the charming city of Leicester and is ready to take your calls six days a week. Our number is 0116 243 7904. Alternatively, it is the 21st century, so we created a wonderful and easy-to-use online quote system that will take less than a minute to give you a quote. Try it now

Comprehensive Guide to Double Glazing Installers Insurance: Protect Your Trade
Comprehensive Guide to Double Glazing Installers Insurance: Protect Your Trade

Rhino Trade Insurance 19 July 2024

In order to assist you in making an informed choice, this extensive blog post will examine all facets of double glazing installers insurance, outlining its benefits, why it's necessary, and how it helps your trade.

Read more

Why Tradespeople Arent Being Replaced By AI Any Time Soon
Why Tradespeople Arent Being Replaced By AI Any Time Soon

Rhino Trade Insurance 18 July 2024

Wondering whether AI will take over your trade job anytime soon? Fear not, as we take a look at the emerging artificial intelligence and future of the trade industry.

Read more

Why Choosing the Right Insurance Matters for Fencing Contractors
Why Choosing the Right Insurance Matters for Fencing Contractors

Rhino Trade Insurance 17 July 2024

As a fencing contractor in the UK, insurance is an important area of protecting your trade business and ensuring its long-term success. In this post, we'll explore why choosing the right insurance matters for fencing contractors and how it can safeguard your livelihood.

Read more

Get an Instant Quote

Tell us your trade and get a tailored insurance quote for your business in seconds


Our team of experts are available to talk to Mon-Fri 08.30-17.30 and Sat 10.00-14.00

online chat

Online Chat

Our team are online during office hours. Send a message if you have a query.



Call our team of experts during the office hours noted above.


Not ready to talk?

No problem. Fill in our quick form and let us know when’s a good time for you.