PUBLIC LIABILITY INSURANCE
ESSENTIAL COVER FOR YOUR BUSINESS
Rhino provides low-cost, reliable tradesmen insurance to tradespeople up and down the UK. Tradesman insurance is a type of business insurance that covers you against the financial impact of the common hazards and risks you face each and every day in your trade. Rhino’s tradesman Public Liability Insurance is our flagship policy, with thousands of tradespeople benefitting from our fuss-free cover. Public Liability Insurance is needed by every tradesperson in the UK – and we believe that ours is the very best out there.
If you don’t know what it is, it’s time to get clued up. Public Liability Insurance keeps you protected if a customer or a member of the public experiences an accident, injury, illness or damage to their property which was your fault. This must-have policy will pay out for the legal expenses and compensation owed by your business (up to your chosen level of indemnity cover).
Why Choose Rhino
COVER UP TO £5 MILLION
From £1 million through to £5 million we’ve got your business covered.
- £1M, £2M, and £5M levels of cover available
- Instant cover with documents sent immediately upon payment
LOW COST COVER
Cover almost as cheap as those fancy pale ales those hipster types are all drinking.
- Option to add Employers’ Liability cover
- Optional cover for multiple trades & business activities
5 STAR RATED SERVICE
Over 2000 5 star reviews later, it’s safe to say you trades folk absolutely love our service.
- Monthly or annual payment options
- UK telephone support
HOW MUCH DOES Public Liability Insurance COST?
Public liability insurance should be affordable and reasonably priced, and here at Rhino, we offer some of the best insurance premiums we’ve found on the market. It is calculated depending on the level of risk your business poses and completely depends on several factors that affect risk and price. Commonly, your trade dictates the premium of your liability insurance. Those working in low-risk trades such as cleaning and carpentry will usually pay less for their public liability insurance than someone working on gas or digging up groundworks. Another factor that affects the premium is the number of people you are covering. Chances are the more people you have working on a project, the more likely the event of a claim. Other factors can include your business’ turnover, the level of cover you wish to take out, and in some cases, the locations where you are working. We offer fantastic public liability insurance rates here at Rhino and challenge anyone to find a better quote than with us.
DO YOU NEED EMPLOYERS LIABILITY INSURANCE?
You can also purchase great value Employer’s Liability insurance alongside a Rhino Public Liability Insurance Policy. Employers Liability Insurance covers the policyholder in the event of a liability claim being made by an employee of the business against them as the employer. Employers’ liability insurance is a legal requirement for any business that hires paid employees therefore is a necessity for any larger business. Rhino’s Employers liability insurance starts at just £72.80 per year and is an optional add-on policy to our public liability insurance cover.
Rhino provides Tradesmen insurance to thousands of tradespeople up and down the UK. Tradesman insurance is a type of business insurance that provides tailored cover for hazards and risks often experienced when working within a trade. Our tradesman public liability insurance offers varying levels of indemnity cover and keeps you protected if your client or a member of the public suffers an injury or damage to their property which was your fault. The policy will payout for the legal expenses and compensation owed by your business (up to your chosen level over cover).
Public Liability Insurance FAQs
Many contractors and customers will make having Public Liability Insurance in place a requirement of their contract with any tradesperson they employ, so you’ll have a tougher time drumming up business without it.
Public Liability Insurance will cost you a small amount each month, but the pay-off should someone make a claim against your business will be immeasurable.
For most small businesses, that precious profit goes directly towards things like paying the mortgage, buying groceries for the family and keeping everything running at home. If you have any employees, you’ve got to pay their wages and help them support their own livelihoods, too.
Ring-fencing your own hard-earned profit to pay for things like compensation claims, damages and legal bills in the event of a claim would be disastrous for any self-employed tradesperson (or any big business, too – which is why you’ll not find a single larger corporation without Public Liability Insurance)!
Forgoing something as essential as Public Liability Insurance to save a few quid a month is a huge mistake we never want any tradesperson to make.
We have listed a few examples of instances where public liability insurance would be needed below:
Plumbers – an incorrectly fitted pipe could lead to water damage within a client’s home
Electricians – faulty wiring could lead to a fire
Builders – working within the construction industry can mean there is exposure to multiple hazards which can lead to injury
Bricklayers – brick dust causing sickness or damaging surroundings of the job site
Gardeners – customers or passers-by could trip or harm themselves on tools left lying around
Roofers – a member of the public could be struck by a falling piece of debris
These costs are usually made up of compensation to the claimant, which can be for things like loss of income, medical treatment and inconvenience, as well as legal bills incurred in the process of deciding if, and how much, they’re entitled to.
If there’s been an oversight on your part somewhere on the job and someone has got hurt, or property has been damaged, then it makes sense that you should be liable. But we doubt if you can afford to do this out of your own pocket (or business’s bottom line) which is where Public Liability Insurance comes in. Everything will be covered by Rhino, and all you have to do is to pay your regular premiums as per your policy agreement.
We offer cover levels of up to £1M, £2M and £5M. We can also arrange a £10M limit for our customers on request.
However, the cost of Public Liability Insurance will be dependent on the type of business you run and the level of insurance that you require, just like with most types of insurance. So, if your business is large, with a broad scope of business activities and multiple employees, it’s going to be higher than a one-man window cleaning operation. Also bear in mind that if your business carries out lower risk activities, you will pay a lower price and if your business is perceived as higher risk, you are likely to pay more.
Rhino constantly search the markets to find the best low-cost insurance so our customers can enjoy peace of mind at a low price.
There’s a couple of ways to get an insight if you really have no clue where to start, though. Sometimes customers or contractors will stipulate a minimum level of cover that they require you to hold before dealing with you. For example, in the case of Employer’s Liability Insurance, the UK government requires all businesses who have staff to have a minimum £5M Employer’s Liability policy in place.
Another way to get a feel for what level of cover you need is to try our quick quote engine. In under a minute, tell us a couple of details about your business, and we will get right back to you with a tailored quote.
Finally, if you’re not sure which level of cover is right for you, chat with the team at Rhino today. We’re a friendly bunch, but we’re also seasoned experts in the world of trade insurance and we really do know the business inside out. We’re based in Leicestershire, but don’t hold that against us! We provide trade insurance to people just like you from all over the UK and we will be able to talk you through the options available, and help you decide what is right for you.
Not having Public Liability Insurance in place could seriously harm your business should a claim be brought against you. Public liability claims aren’t uncommon by any stretch, especially in the trades. Usually, we don’t hear about them as they’re quickly and quietly sorted behind the scenes with the insurance company.
If you’re a small trades business and a customer or member of the public gets injured while visiting your job site, you’re at risk of losing your entire business in the process of settling a claim if you’re uninsured. You don’t need the law to tell you that going uninsured is not the smartest choice!
Rhino provides instant Public Liability quotations and cover to thousands of tradespeople just like you.
Dealing with us is easy, fuss-free and quick. We provide you with all the relevant certificates in minutes, and you have up to 14 days to change your mind and cancel your policy for a full refund if you wish.
Rhino also provides a number of ‘add on’ products that provide additional protection for the risks faced by individuals and businesses in trade. These handy extras will be directly relevant to your trade, such as our Tools in Transit insurance.
Don’t worry, we will never try to bamboozle you with jargon or sell you insurance products you don’t need. Instead, you’ll get an honest, transparent service that will leave you thinking, “Well, that was easy!”
However, Employer’s Liability Insurance specifically covers you against claims made by your employees, whether they are temporary or permanent, and others you may have employed such as work experience students.
One key difference is that Employer’s Liability Insurance is a legal requirement, whereas Public Liability Insurance is usually just a contractual requirement. However, both are very important to have in place.
Public Liability Insurance is not dependent on your business structure (whether sole trader, limited company director, partnership etc) or the number of people working for you, but the type of business you have.
If the work you carry out has the potential to cause damage or injury to a third party or their property then you should have Public Liability Insurance.
Most trades come with obvious danger, but this also includes someone with a home-based business (for example, a home baker) who has clients or suppliers cross the threshold to drop off or pick up orders. Remember, if something happens to them on your turf, you’re liable.
Having this kind of insurance in place offers peace of mind that if you were to cause an error that results in a claim being made against you, you won’t need to worry about having the financial security to pay out to the claimant, as this will be covered by your insurer.
Almost all insurance policies come with an excess to pay. It’s to cover the cost of the claim, and helps keep your regular premium payment down. Generally, the excess payment is small change compared to the cost your insurer will bear for the overall claim.
At Rhino Trade Insurance, Public Liability Insurance has a £500 excess as standard. That means that in the event of a claim the excess to pay is £500, regardless of the value of the claim. The only scenario that would affect this excess is in the event that the claim is being made as a direct result of the use of heat (for example, gas engineering). In these instances, the excess would increase to £1000.
It is important that you make sure that whatever professional environment you find yourself in, your Public Liability Insurance still covers you. Unless stated otherwise, Rhino’s Public Liability Insurance policies cover both Commercial & Domestic work being carried out.
In most cases, as a Rhino Trade Insurance customer, you can operate in both domestic and commercial environments, safe in the knowledge that the work you are carrying out is covered.
Operating in certain locations may affect whether your cover is valid, so having full knowledge of these exclusions is important when you take out your cover.
Rhino Trade Insurance is valid subject to the policy holder’s business being domiciled in, and most of the work of being carried out in the United Kingdom only. Any work carried out outside of the UK and overseas will not be covered, so please make sure that if you are going to be working outside the UK, you have sufficient cover in place.
There are some locations that are excluded from Rhino’s public liability insurance. They may not be places you’re likely to find yourself in on any given day, but again, it’s important that you know when you’re not covered by your policy just in case.
These locations include: docks, harbours, railways, watercraft, offshore gas or oil installations. Also, chemical or petrochemical works, oil or gas refineries or storage facilities aircrafts, airports, airfields, collieries, mines, quarries, power stations, and any installation where nuclear processing is undertaken.
For more information about the specifics of cover, all public liability insurance policy information is found on the policy documentation found on our website and a set of FAQs can be found here. If you have any questions about what this policy covers, please do not hesitate to contact us.
LIKE WHAT YOU SEE?
COVER YOUR BUSINESS
WITH LOW COST INSURANCE
Who is Public liability insurance for?
Here at Rhino Trade Insurance, we are proud to offer high-quality, low-cost public liability insurance to tradesmen and women every single day. You can find cover for over 70 unique trades with Rhino Trade Insurance. Popular trades include:
Public Liability Insurance provides the cover you need to protect you and your customers. Get insured with Rhino Trade Insurance and make sure that the work you carry out is sufficiently covered.
Therefore, it’s vital to make sure you have the right financial protection in place should an accident happen, or damage is caused to your customer or end client. Public Liability Insurance acts as a financial safety net, protecting you and your business in these instances.
Luckily, Rhino offers Public Liability cover specially designed for drain cleaners at fantastic low-cost rates.
At Rhino Trade Insurance we offer low-cost public liability insurance via our easy-to-use online quote engine, so have a look for yourself today.
We offer fantastic rates for electricians and offer cover that is A-rated and available via monthly or annual payments. Our electrician’s insurance is simply the best in the UK, and we challenge anyone to find better cover elsewhere.
What we can do is recommend that you take out our competitively priced and comprehensive insurance cover, to make sure your business won’t take a financial hit should anything untoward happen on the job.
Public Liability Insurance is vital for heating and ventilation engineers due to the likelihood of someone or something being harmed in the course of your duties. Don’t worry, here at Rhino we offer quality cover at great low prices.
We offer cheap public liability insurance for refrigeration engineers here at Rhino, so get a quote today!