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What is Public Liability Insurance?

Our Public Liability Insurance protects you if a client, member of the public or visitor suffers an injury or damage to their property because of your business. It will cover legal expenses and/or compensation owed by your business (up to your chosen level of cover).

Accidents can happen from time to time, holding this insurance can provide you with peace of mind and is often a contractual requirement, albeit there is no legal requirement to hold this insurance.

Public Liability Insurance for Tradesman

  • £1M, £2M, and £5M levels of cover available
  • Option to add Employers' Liability cover
  • Optional cover for multiple trades/business activities
  • Instant cover with documents immediately
  • Monthly or annual payment options
  • UK telephone support

tradesman public liability insurance

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Nuts & Bolts

What does Public Liability Insurance Cover?

Public liability insurance will cover your business against the cost of a third party (individual or corporate) bringing legal action against you for injury or property damage caused by you during the course of your business. The policy will cover the legal costs and compensation where required, up to the limit of indemnity chosen.

Potential claims

Below are some examples of scenarios that could be covered under a tradesman public liability insurance policy:

  • A plumber fitting a new bathroom causes a flood as a result of a faulty fitting and the customer claims against the plumber for the damage caused, the insurance will cover costs of the claim, including legal expenses and any compensation awarded in respect of rectifying the damage done. 
  • A kitchen fitter, fitting a kitchen attaches a door incorrectly and when the door is opened it falls on the customer causing injury.  The insurance will cover the cost of any claim, including medical bills or lost income due to time off work.

Do You Need Employers’ Liability Insurance?

You can also purchase great value Employer’s Liability insurance alongside a Rhino Public Liability Policy.  For more information click here.


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Tradesman Insurance

Rhino provide Tradesmen insurance, a type of business insurance that provides tailored cover for hazards and risks often experienced when working within a trade. Our Business Insurance offers varying levels of indemnity cover and keeps you protected if your client or a member of the public suffers and injury or damage to their property which was your fault. It will pay out for the legal expenses and compensation owed by your business (up to your chosen level over cover).

Who is Public Liability Insurance for?

You can find cover for hundreds of trades with Rhino Trade Insurance. Popular trades include:

​Builders Insurance

Builders Insurance

  • Bricklayers Insurance
  • Builders Insurance
  • Carpenters and Joiners Insurance
  • Ceiling, Partitioning & Dry Lining Contractors
  • Conservatory & Porch Erectors
  • Dry Stone Wallers Insurance
  • Fencing Contractor Insurance
  • Floor Tiling Contractor Insurance
  • Flooring Contractor Insurance
  • Painters & Decorator Insurance
  • Path, Patio & Drive Laying Contractors
  • Plasterers and Artexer Insurance
  • Roughcasters and Pebble Dashers
​Plumber Insurance

Plumber Insurance

  • Plumber Insurance
  • Plumbing and Heating
  • ​Gas Fitters
  • ​Drain Cleaners
  • ​Bathroom Installers
  • ​Kitchen Installers & Fitters
  • ​Fireplace Installation
  • ​Air Conditioning Engineers
  • ​Heating & Ventilation Engineers
  • Refrigeration Engineers
Electrician Insurance

Electric​ian Insurance

  • Electrical Appliances Servicers (Domestic)
  • Electricians Insurance
  • Telecommunication Engineers


Legal Expenses Insurance

As a self-employed tradesman, you may come up against a range of legal risks, particularly contract disputes and debt recovery. With access to legal assistance, you don’t have to let things slide, and can get the defence you need without worrying about the fees...

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Tax Enquiry Insurance

With the self-employed responsible for their own tax payments, tax enquiry insurance is a valuable policy for tradesmen. This policy provides...

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