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What are the benefits of Public Liability Insurance?

Rhino Trade Insurance 16 April 2023

Tradespeople possess talents that they have developed through years of education and practice. The ability to complete a task well and (ideally) error-free depend on your experience and skill set. Even with the best training, though, working in any field still has a variety of risks, making you occasionally susceptible to human error.

Anyone working in the trades should consider purchasing Public Liability Insurance, which offers essential protection to the policyholder in case of a mistake. If a tradesperson's negligence leads to an accidental injury or death to a member of the public or results in property damage, the policy is designed to safeguard them.

Although you may think of claims as uncommon, they occur for various reasons. Public Liability Insurance serves as a financial safety net in the unfortunate and rare event that you must file a claim. Let's discover why Public Liability Insurance will benefit your trade business today.

What is Public Liability Insurance?

One of the most common types of business insurance is Public Liability Insurance. If a member of the public (maybe a client, a vendor, or a bystander) brings legal action against your company because they were hurt or their property was damaged, it can pay for fees that come as a result. 

If your company is held accountable for an injury or property damage to a customer, contractor, or any public member, Public Liability Insurance will also pay for the legal fees, medical fees and any other compensation payments.

Consider as a professional, you are visiting a client and accidentally drop a cup of coffee on their expensive carpet, cause a leak or leave tools lying around that your customer trips over. These situations may see your business face legal action if you don’t hold the correct cover. Your Public Liability Insurance will then cover legal fees and compensation expenses up to your policy's maximum indemnity.

Need a quote on insurance? Get one quickly today. 

Why do I need it for my trade business?

It's up to you to determine whether you require Public Liability Insurance; it's not required by law, but companies that deal with the public frequently purchase it. This means that as most trade businesses come into contact with the general public at some stage, Public Liability Insurance is typically purchased by almost all tradesmen and women in the UK.

Your trade business should consider Public Liability Insurance if:

  • You work with dangerous machinery and power tools that could cause damage or injury.
  • You work with hazardous materials and elements that could cause an accident (power or water).
  • You operate a company out of a location where the general public, customers, or clients may visit
  • You operate a business from home, and clients come to your house for meetings.

Everyone you interact with outside of your employees (which we will explain later in this article) is covered by Public Liability Insurance, including:

  • Anyone who visits your business
  • Clients/ customers
  • Members of the public
  • Third parties (suppliers to your business, etc.). 

Signing up for a policy with Rhino Trade Insurance couldn't be simpler. We don't ask pointless questions; we get straight to the point and sort your quote instantly. Our insurance can be purchased with either £1 million, £2 million, or £5 million in cover, and can be up to 40% cheaper than other industry competitors. 

Benefits of having Public Liability Insurance

We all try to be safety conscious in the workplace, but accidents inevitably happen, which could result in legal against your business. That's where Public Liability Insurance comes in. It can help protect you if someone is injured or property is damaged as a result of your work.

Perfect for anyone who works in other people's properties

Suppose a third party is accidentally injured or their property is unexpectedly damaged whilst you are performing your work. In that case, Public Liability Insurance protects your company from the costs of legal action and compensation claims. We may be banging the drum on this point, but we want your business to understand the length of this insurance goes. Without it, you could have to close your business for good due to the extreme costs of a claim. 

Accidental injury and damage would be covered with a policy at Rhino Trade Insurance. Tradespeople, including Builders, Bricklayers, Glaziers, Cleaners, and Gardeners who frequently complete their work on-site at clients' residences, will find this to be extremely valuable coverage.

Meeting industry requirements and demonstrating professionalism

Even though it's not required by law, more prominent clients and professional organisations like the Government often demand it. The average payout for a damages or injury claim can range from the hundreds of thousands to millions of pound bracket. Tradesmen and women working on-site for clients carry significant risks due to their line of work and thus will need to have adequate cover in place to be employed by local government entities like councils.

What's more, if you hope to grow your business and appeal to larger clients, they will do their homework and ensure you have the right level of cover in place before hiring you.

Please contact our team if you have any questions or want information about Public Liability Insurance. You can catch up six days a week on 0116 243 7904. 

It protects any damage your employees cause

Employers' Liability Insurance should already be in place if you have employees because it is required by law. Yet it's important to keep in mind that you're also accountable for your employees' behaviour in addition to their safety. 

Once on a building site that your company is managing, your business may be held liable for compensation claims if an employee accidentally hurts someone or damages someone else's property whilst undertaking work set out by you. 

At Rhino, we often find that businesses take out both of these policy types as they go hand in hand with one another. 

Read our comprehensive blog today to learn more about Employers' Liability coverage.

Why choose Rhino Trade Insurance?

While running your own business and working with customers, having trade insurance is crucial. Whether you lead a team of ten or are a lone ranger, you must cover yourself!

Rhino Trade Insurance has developed some of the finest insurance for tradesmen and women. Our policies cover your company in a wide range of situations, from individual accidents to legal fees, tool theft, and professional negligence.

We strive to keep our rates low and administrative costs to a minimum while providing specialised insurance choices for almost any trade. We can offer protection for a wide range of tradespeople, including Gas Engineers, Plumbers, Carpenters, Locksmiths, and Electricians. Via our online pricing engine, you can view our complete trade categories, and you can always get in touch to clarify that we can cover you.

Why not call our UK staff right today? They can assist you in setting everything up instantly, allowing you to quickly return to work. Simply fill out our contact form or call us at 0116 243 7904, or if you feel like taking matters into your own hands, request a price online.


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