Self Employed Public Liability Insurance

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If you are running your own firm, it is vital that you cover your back with a good public liability insurance policy.

Public Liability Insurance (PL) covers you for any damages that a member of the public may be awarded as a result of injury or damage to them or their property caused by your business. It also covers legal fees and other expenses to do with defending any claim.

Public Liability Insurance

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Self Employed Public Liability Insurance

Whether you are a builder, an aromatherapist or an electrician, if you are self employed, public liability insurance is essential in providing you with the peace of mind that you are fully covered should anything happen during or after work you have undertaken.

However, it can be confusing sifting through all the different types of cover. So to help those seeking self employed public liability insurance, we offer a fast and easy service aimed at taking the stress out of your search.

Our service offers:

  • Free quotes
  • Advice on the best policy for you
  • Cover tailored to your particular type of business

Do I need self employed public liability insurance?

Public liability insurance is not a legal requirement if you are self-employed, however you business partners, clients or the membership bodies you belong to may require you have cover in place if you are to deal with them professionally.

What does self employed public liability insurance cover?

Provides peace of mind that if an accident should happen where a customer or member of the public is damaged a typical policy will provide financial compensation payments including the associated legal defence costs up to a set amount e.g. £5 million. Policies will differ from provide to provider.

To get a range of public liability insurance quotes from across the market click here

Special Deal: Selected Public Liability Insurance

AXA are currently offering self employed traders with a turnover below £500k for traders based in Great Britain (excludes Northern Ireland) a 10% discount when you buy online.

Public Liability
Special Features

Protect your business against accidental injury and property damage claims made by your customers, members of the public or people you visit with public liability insurance.

Employer Liability
Professional Indemnity

Get a 10% Discount When You Buy online!*

(Terms apply: No more than 8 employees; Annual turnover is less than £500k; Business must be based in Great Britain)

How much does self employed public liability insurance cost?

This will depend on factors such as the industry your business is in e.g. where dangerous equipment is involved expect higher premiums, what your business does and where you are based. Turnover is also a factor, the higher it is typically the more expensive the premiums will be.


Example of public liability insurance

Case study:

A self employed welder had a claim made against him after he welded a silencer at a food manufacturing company.

Unfortunately, some months later the silencer failed and debris and grime leaked and contaminated the food being produced.

While the damages claim ran to £146,000, the welder only paid his £250 excess.

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