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    Trades & Professions Covered

    • Accountancy
    • Accountants
    • Acoustic Consultant
    • Actuary
    • Acupuncture
    • Advertising
    • Aerial / Network Specialist
    • Aerial Installer
    • Agricultural Consultancy
    • Air Compressors
    • Air Conditioning Engineers
    • Aircraft Design
    • Alarm Installer
    • Animal Breeder
    • Appliance Tester
    • Arbitration
    • Archaeologist
    • Architect
    • Architects
    • Architecture
    • Aromatherapy
    • Art Dealing
    • Art Gallery And Artist Studios
    • Art Tutor
    • Art Valuation
    • Artexer
    • Artist
    • Arts And Crafts Business
    • Arts Organisation
    • Asbestos Surveying
    • Astrology
    • Astronomy
    • Auctioneer
    • Audit And Risk Consultancy
    • Author
    • Auto
    • Automotive Accesorries
    • Aviation Broker
    • Awnings
    • Baby Product Wholesaler
    • Baby Sitting Agency
    • Bailiff
    • Bakery
    • Banking
    • Barrister
    • Barristers
    • Bath Resurficer
    • Bathroom Design
    • Bathroom Specialist
    • BBQ at fetes
    • Beauticians
    • Beauty Holistic Training
    • Beauty Salon
    • Beauty Therapist
    • Benevolent Fund Management
    • Bill Poster
    • Biomedical Scientist
    • Boat Repairs
    • Body Shop
    • Bodyshop
    • Bodyshop
    • Boiler Services (Domestic)
    • Book Exchange
    • Bookkeepers
    • Bookkeeping and Accounts
    • Bookmaking - Off course
    • Borehole Drilling
    • Bouncy Castle Hire
    • Bricklayer
    • Bricklayers
    • Broadband Installations And Repair
    • Broadcast Equipment Hire
    • Builder
    • Builder Home Maintenance
    • Builders
    • Building
    • Building Society
    • Building Society Agent
    • Building Surveying
    • Bureau De Change
    • Burger Van
    • Business Advisory Service
    • Business Analyst
    • Business Consultancy
    • Butchers
    • Buying And Selling
    • Cake Making
    • Cakes And Crafts
    • Call Centre
    • Calligraphy
    • Camp Site Owner
    • Candyfloss Making
    • Car Accessories
    • Car Cleaning
    • Car Hiring
    • Car Recovery
    • Car Repairs
    • Car Sales
    • Car Trailer Sales
    • Car Valeting
    • Card Crafting
    • Card Crafting
    • Care Home
    • Care Worker
    • Careers Advisory Service
    • Caretaker
    • Carpenter / Joiner
    • Carpet Cleaners
    • Carpet Cleaning
    • Carpet Fitter
    • Cartography
    • Cartoonist
    • Catering
    • Catering Consultancy
    • Catering Unit
    • Cavity Wall Insulator
    • CCTV Installation
    • Ceiling Contractor
    • Ceiling,Wall & Floor Tilers
    • Central Heating Contractors
    • Ceramics
    • Chair Exercise For Elderly Instructor
    • Chamber of Commerce
    • Chancel Repair
    • Chandelier Cleaning
    • Charity
    • Chartered Surveyor
    • Cheque Cashing Agency
    • Child Care Advisory Service
    • Child Minder
    • Child Safety Instructor
    • Childrens Clothing
    • Childrens Day Care
    • Childrens Entertainer
    • Chimney Flute Installer
    • Chimney Sweep
    • Chiropody
    • Chiropractic
    • Chocolate Manufacturer
    • Church
    • Civil Engineering
    • Cladding Installer
    • Claims Management
    • Clairvoyence And Jewellery
    • Cleaning
    • Cleaning Contractors
    • Cleaning Shop Supplies
    • Clinical Psychology
    • Clinical Research
    • Coffee Bar
    • Commercial And Domestic Cleaning
    • Commercial Artist
    • Commercial Cleaning Service
    • Commercial Vehicle Repair
    • Commissioners For Oaths
    • Commodity Broking
    • Company Registrar
    • Computer Aided Design
    • Computer Consultancy
    • Computer Hardware Consultant
    • Computer Programming
    • Computer Repair
    • Computer Software House
    • Computer Training Schools / Services
    • Conference Management
    • Conservatory & Porch Erectors
    • Construction
    • Construction Opperative
    • Construction Training
    • Consultant Surgeon/Specialists
    • Container Transport Services
    • Contractor
    • Conveyancing
    • Copywriting
    • Core Drilling
    • Counselling/Advice Centre
    • Couriers/Delivery Service
    • Craft Worker
    • Crafts
    • Credit Broking
    • Credit Card Company
    • Credit Card Register
    • Credit Investigation Agency
    • Cultural Heritage Consultant
    • Cupcake Maker
    • Curtain & Blind Fitters
    • Damp Proofing Contractors
    • Dance Instuctor
    • Dance School
    • Dance Teacher
    • Dancing School
    • Data Cabling
    • Data Processing
    • Day Care
    • Debt Collection
    • Debt Management
    • Decorative Leadwork
    • Decorator
    • Delivery
    • Dendrochronology
    • Dental Technicians
    • Dentistry
    • Dentists
    • Dermatology
    • Design Consultancy
    • Designer
    • Desktop Publishing Services
    • Detective Agency
    • Dietician
    • Digital Art And Photography
    • Direct Selling
    • Disc Jockey
    • DJ
    • Doctor
    • Doctors
    • Dog Behaviour
    • Dog Grooming
    • Dog Rescue
    • Dog Walker
    • Domestic Appliance Engineers
    • Domestic Cleaning
    • Domestic Cleaning Service
    • Domestic Energy Assessor
    • Domestic Gas Engineer
    • Domestic Stair Lift Installers
    • Domestic Wheelie Bin Cleaners
    • Domiciliary Care Provider
    • Door Entry System Installers
    • Door Supervisors
    • Double Glazier
    • Drain Cleaner
    • Drainage Specialist
    • Draughtsman
    • Dressmaker
    • Drive Laying
    • Driver
    • Driving Instruction
    • Driving Instructors
    • Dry Liner
    • Ductwork Installation
    • Ductwork Services
    • E-Commerce
    • Ear/Nose Piercing
    • Editorial Consultancy
    • Editors And Writers
    • Education Conferences
    • Education Consultancy
    • Educational Sales Representative
    • Educational Workshops
    • Electrical And Heating Contractor
    • Electrical Contractor
    • Electrical Engineer
    • Electrician
    • Electrology
    • Electronic Equipment Repairs
    • Employment
    • Employment Advisor
    • Employment Agency
    • Employment Skills Training
    • Energy Consultancy
    • Engineering
    • Engineering Consultancy
    • Engraver
    • Entertainment
    • Environmental Consultancy
    • Equine
    • Estate Agency
    • Event Organiser
    • Executive Coach
    • Exhibition Design
    • Exhibition Management
    • Exhibition Stand Erectors
    • Export Agency
    • Export Consultancy
    • Face Painting
    • Fasci Fitter
    • Fashion Design
    • Fashion Wholesale
    • Fast Food
    • Fast Food
    • Felt Making
    • Fencing Contractors
    • Feng Shui Consultants
    • Film Production
    • Finance Company
    • Financial Advisory Service
    • Financial Market Trading
    • Financial Services
    • Fine Chemical Distributor
    • Fire Protection Consultancy
    • Fisherman
    • Fishery
    • Fitness Class Instructor
    • Fitness Instructor
    • Flooring And Tiling Specialist
    • Flooring Specialist
    • Florists
    • Food Exporting
    • Food Importing
    • Food Manufacturing
    • Food Sales And Marketing
    • Forestry
    • Forestry
    • Forwarding Agent
    • Fostering/Adoption Agency
    • Freelance Contract Worker
    • Freight Agent
    • French Polisher
    • Fuel Efficiency Consultant
    • Funeral Director
    • Furniture Removers
    • Furniture specialist
    • Game Rearing Equipment Suppliers
    • Gaming
    • Garage & Shed Erectors
    • Garden Design
    • Garden Ornaments
    • Gardener / Garden Designer
    • Gas Fitters
    • Gate/Garage Door Fitters
    • Genealogy
    • Geology
    • Gift Shop
    • Glaziers
    • Graphic Design
    • Grass Cutting
    • Gravediggers
    • Graveyard Maintenance
    • Grocery Shop
    • Groundworker
    • Gundog Training
    • Guttering & Fascia Board Fitters
    • Gym Owner
    • Gynaecology
    • Hair Accessories
    • Hair And Beauty
    • Hairdressers
    • Handcrafted Jewellery
    • Handmade Beaded Jewellery
    • Handmade Gifts
    • Handmade Jewellery And Candles
    • Handmade Soaps
    • Handyman
    • Hardware Consultant
    • Harling and Roughcasting
    • Haulier
    • Hazerdous Courier
    • Health Advice Service
    • Health And Safety Consultancy
    • Health Centre
    • Health Education Training
    • Heating Consultancy
    • Heating Engineer
    • Heating, Plumbing, Electical
    • Henna Artist
    • Herbalism
    • HGV Driver
    • Hire Purchase
    • Home Businesses
    • Home Economist
    • Home Help
    • Home Help Non Residential
    • Home Maintenance
    • Home Tutors
    • Homeopathy
    • Horticultural Consultancy
    • Hotel Booking Agent
    • House Sitters
    • Housing Association
    • Housing Developers
    • HR Management
    • Human Resource
    • Hydro Geology
    • Hypnotherapy
    • Ice Cream Van
    • Illustrator
    • Image Consultants
    • Immigration Advisor
    • Import And Export
    • Import Consultancy
    • Industrial Automation
    • Industrial Cleaning
    • Industrial Design
    • Industrial Electrician
    • Inspection Engineer
    • Installations
    • Insurance Broking
    • Insurance Company
    • Insurance Consultant
    • Interior Design
    • Internet Service Provider
    • Internet Website
    • Interpreter
    • Inventory Clerks
    • Investment Banking
    • Investment Consultancy
    • Investment Management
    • IT Consultancy
    • IT Contractor
    • Jewellers Design
    • Jewellery Parties
    • Joiner
    • Joinery
    • Journalism
    • Journalist
    • Journalistic Agency
    • Kitchen And Bathroom Installers
    • Kitchen Planners
    • Kitchen Specialist
    • Labourer
    • Labouring
    • Land Surveying
    • Landlord
    • Landscape
    • Landscape Architecture
    • Landscape Gardeners
    • Laser Tattoo Removal
    • Laundry Equipment Installer
    • Lawyer
    • Lawyers
    • Leaflet Distributor
    • Legal Consultant
    • legal consultants
    • Leisure
    • Letting Agency
    • Lgv Driving Assessor
    • Life Coach
    • Life Style Consultants
    • Lift Contractors
    • Lighting Installers
    • Limousine Hire
    • Linguistics
    • Live Events
    • Lock Fitting
    • Locksmith
    • Locksmiths
    • Loft Conversion Specialist
    • Loose Cover Makers
    • Loss Adjusting
    • Loss Assessing
    • Luggage Manufacture
    • Machine Repair
    • Machinery Service
    • Management Consultancy
    • Management Training
    • Marine Broking
    • Marine Consultancy
    • Marine Geology
    • Marine Surveying
    • Market Research
    • Market Trader
    • Marketing Consultancy
    • Massage
    • Mastic Sealant Contractors
    • Mechanical Engineer
    • Mediator
    • Medical Device Distributor
    • Medical Equipment
    • Merchant Banking
    • Metalworker
    • Meteorology
    • Mezzanine Flooring
    • Midwife Consultant
    • Milkman
    • Milkshake Shop
    • Millinery
    • Mineralogy
    • Mini Cab Operator
    • Mining Consultancy
    • Mobile Catering
    • Mobile Coffee Trailer
    • Mobile Disco
    • Mobile Fishmonger
    • Mobile Mechanic
    • Mobile Phone Store
    • Modelling Agency
    • Money Broking
    • Money Dealing
    • Moneylenders
    • Monumental Masons
    • Mortgage Broking
    • Motor Trade
    • Motor Vehicle Servicing
    • Motorcycle Hire
    • Multimedia Consultant
    • Music Event Promotion
    • Music Public Address Installatio
    • Music Publisher
    • Music Teacher
    • Musician
    • Nail Technician
    • Nanny Agency
    • Nature Conservation
    • Naturopathy
    • Naval Architect
    • Neurology
    • Newsagents
    • NLP Practitioner
    • Non-Destructive Testing Service
    • Notaries Public
    • Nurse
    • Nursery
    • Nursery Agency
    • Nursing
    • Nutrition
    • Occupational Health Consultancy
    • Occupational Therapy
    • Occupational Therapy
    • Oceanographic Survey
    • Off Licence
    • Off Shore Surveyor
    • Office Equipment Repairers
    • Office Fitters
    • Oil Rig Mechanic
    • Online Retail
    • Optical Services
    • Optometrist
    • Ornamental Sculptor
    • Ornithology
    • Orthopaedics
    • Orthoptics
    • Osteopathy
    • Packaging Designers
    • paediatric occupational therapy
    • Paediatrics
    • Paint Consultancy
    • Painter
    • Painter / Decorator
    • Painters of Murals
    • Palaeobotany
    • Partitioning Contractors
    • Party Planners
    • Party Supplies And Services
    • Patent/Trademark Agents
    • Paving & Patio Contractor
    • Pebble Dashing
    • Pedicure
    • Pension Consultant
    • Performing Arts
    • Personal Trainers
    • Personnel Consultancy
    • Pest Control
    • Pet Shop
    • Pharmaceutical Consultant
    • Pharmacists
    • Photographer
    • Photographers
    • Photographic Agent
    • Phychotherapist
    • Physicians
    • Physiology
    • Physiotherapy
    • Pianist
    • Pilates
    • Pipelaying
    • Pipeline Consultancy
    • Pizza Takeaway
    • Planning Consultancy
    • Plant Repairers
    • Plasterer / Renderer
    • Plastics Consultancy
    • Plumber
    • Podiatrist
    • Political Consultancy
    • Pollution Control
    • Portable Appliance Testing
    • Portable Toilet Hire
    • Pottery
    • Pregnancy Testing Service
    • Press Cutting Agency
    • Press Office
    • Private Investigation
    • Private Tutor
    • Project Management
    • Promotional Consultancy
    • Proof Reading
    • Property And Home Refurbishment
    • Property Developer
    • Property Letting
    • Property Maintenance
    • Property Management
    • Property Owner
    • Property Services
    • Psychiatry
    • Psychoanalysis
    • Psychology
    • Psychotherapy
    • Public House
    • Public Records Search Company
    • Public Relation Consultancy
    • Publishing
    • Quality Assurance
    • Quantity Surveyors
    • Recording Studio
    • Recruitment Agency
    • Recruitment Agency (No Temps.)
    • Recruitment Consultancy
    • Recruitment Consultancy (No Temps.)
    • Reflexology
    • Refrigeration Engineers
    • Regeneration Consultant
    • Registrar
    • Regulator
    • Rehabilitation Clinic
    • Relocation Agency
    • Relocation Consultant
    • Remedial Therapy
    • Research Consultancy
    • Retail
    • Rigger
    • Roofer
    • Saddler
    • Safety Consultancy
    • Satellite Tv Installer
    • Scaffolders
    • School Inspections
    • School Inspectors
    • Scooter Parts
    • Screenwriting
    • Script Writing
    • Sea Life Centre
    • Seamstress
    • Secretarial Services (No staff placement)
    • Secretarial Training
    • Securities Dealer (Licensed)
    • Security Camera Installer
    • Security Consultancy
    • Security Guards
    • Security Lighting Installers
    • Security Services
    • Security Specialist
    • Self Builder
    • Self Defence
    • Self Drive Hire
    • Service Engineer
    • Sewing Crafts
    • Shelving Erectors
    • Shiatsu Practitioners
    • Shipping And Forwarding Agency
    • Shopfitter
    • Shower Installation
    • Sign Installer
    • Sign Writer
    • Singer
    • Site Clearance & Excavation
    • Site Investigation
    • Skip Hire
    • Small Businesses
    • Smoke Alarm Installers
    • Social Care
    • Social Carers
    • Soft Furnishing Maker
    • Soft Play Hire
    • Software Consultancy
    • Soil Engineers
    • Solar Panel Installers
    • Sole Trader
    • Solicitor
    • Solicitors
    • Sound And Lighting
    • Sound Equipment Hire
    • Sound Recording Services
    • Specialist Tradesman
    • Speech Therapy
    • Sports Coaching
    • Sports days
    • Sports Promotion
    • Sports Therapist
    • Sports Training
    • Stained Glass Artist
    • Stained Glass Windows
    • Stamp Dealing
    • Stationers & Books Shops
    • Statisticians
    • Steam Cleaners
    • Steel / Metal Fabricators
    • Steel Fixer
    • Stock Taking
    • Stockbroking
    • Stoneworker / Stonemason
    • Street Entertainer
    • Street Trading
    • Street-Lighting Contractor
    • Structural Engineering
    • Supported Accomodation
    • Surface Coating Consultancy
    • Surveyors
    • Sweets And Gift Shop
    • Swimming Pool Specialist
    • T Shirt Printing
    • Takeaway
    • Talking Therapist
    • Tanning Salon
    • Tanning Studio
    • Tarmac Surfacing
    • Tattoo Artist
    • Tax Consultancy
    • Taxi Operator
    • Tea Room
    • Teachers
    • Technical Author
    • Telecommuncations
    • Telecommunications Consultancy
    • Telecoms Engineer
    • Telemarketing
    • Telephone Answering Service
    • Telex Bureau
    • Temporary Airbrush Tattoo
    • Textile Consultancy
    • Textile Designer
    • Textured Coatings
    • Theatre And Ticket Agency
    • Theatre Company
    • Tiler
    • Timber Decking Contractors
    • Timber Treatment Consultant
    • Timeshare Operators
    • Tipper Grab Hire Wagon
    • Tour Operator
    • Tourist Board
    • Tourist Information
    • Town Planning
    • Toy Box Maker
    • Toy Seller
    • Trade Association
    • Trader
    • Tradesman
    • Traditional Craftsman
    • Traffic Management
    • Trailer Tent Hire
    • Training Advisory Service
    • Training Consultancy
    • Translation
    • Transport
    • Travel Agency (No Tours)
    • Travel Agency - no Bureau de Change
    • Travel Consultancy
    • Tree Felling
    • Tree Surgeon
    • Trichology
    • Tricycle Hire
    • Tuition
    • TV and Video
    • Typing And Copying Bureau
    • Tyre Fitting
    • Tyre Sealant Installation
    • Underwriting Agency
    • University Graduate Society
    • Upcycling With Papercraft
    • Vaccum Serivce Engineer
    • Valeting
    • Valuation - Real Estate
    • Vehicle Installations
    • Vehicle Repair
    • Vending Coffee Machine
    • Venue Dressing
    • Veterinary
    • Veterinary Surgeons
    • Vets
    • Video Services
    • Videographer
    • Voluntary Medical Courier Service
    • Voluntary Organisation
    • Wall Sculpture
    • Waste Disposal
    • Waste Services
    • Weather Forecasting
    • Web Site Design
    • Wedding Fayre
    • Wedding Planner
    • Wedding Planners
    • Welders
    • Wheelie Bin Cleaner
    • Wholesales
    • Will Writer
    • Window & Conservatory Specialist
    • Window & Door Fitters
    • Window Cleaning
    • Wine Bar
    • Woodturning
    • Word Processing
    • Yoga
    • Youth Counselling Service
    • Youth Drama School
    • Zoology Consultancy
    • Zumba Instructor

     

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    What is Public Liability Insurance?

    Public liability is designed to protect your business against claims made by members of the public due to damages for which your company may be liable. Any business that operates in a public space or performs work at locations owned by third parties should consider taking out a liability policy.

    What the Insurance Covers

    Public liability will cover the cost of any compensation awarded to a claimant as a result of injury or property damage caused by you or a staff member. It typically will also cover the cost of legal representation as well as hospital bills and other medical transportation and care resulting from the claim. As the cost of both medical and legal expenses can escalate into the millions, most businesses are unable to cover these costs without the help of a public liability policy.

    What Public Liability Does Not Cover

    PLI does not apply to employees and staff members. To protect your business from such claims, a separate policy called employers' liability insurance is required. One of the common misconceptions regarding business insurance is that a single policy will cover the company against all claims. While many insurers offer package options that address all areas of risk, public liability insurance on its own does not cover the business in the event of a lawsuit brought by an employee.

    Examples of Public Liability Insurance Claims

    Here are a few examples of situations where PLI will protect your business from claims:

    1. A self-employed computer technician visits a client site in order to fix some equipment. However, while performing maintenance, he accidentally spills a drink on the main server and causes irreparable harm to the system. Not only is the technician liable for the cost of replacing the server, but the cost of the down time as well.
    2. A coffee shop owner has an area mopped up but neglects to put up a sign warning the customers. A patron walks in and slips on the wet spot, injuring their back. Without public liability insurance, the business is liable for the cost of treating the injury.

    The Amount of Cover You Need

    Depending on the type of business you operate, you may be legally or contractually required to take out a certain amount of cover. In fact, many business will not deal with companies that do not have a specific level of protection in places. As such, insurers will offer a range of products, starting at the £1m mark, and rising in increments of up to £5m or £10m.

    Most policy providers will recommend a specific level of cover designed to meet the needs of your business. If you have employees, and Employers' Liability Policy may be offered as a bundle. It is critical you consult the agent and address all areas of risk in order to protect your business from a claim.