Self-Employed Public Liability Insurance

You’re not legally required to have public liability insurance, but odds are you’ll need it. Not only will it keep your business from going under in the event of an incident, but will help you attract clients.

The amount of self-employed public liability insurance you need depends on aspects like how dangerous your jobs are, the value of your contracts, and how much your equipment costs. We can help you work this out if you’re unsure.

To make a claim on your self-employed public liability insurance policy, just get in touch with us or your insurer directly to tell us what has happened. Before you do though, check that you’re within the time limits for making a claim and that your policy covers what you’re claiming for. You should also see what the excess is so you’re aware of how much you’re paying towards the claim.

The main information you’ll need to give when securing a self-employed public liability insurance quote includes your name, address and the type of work you typically do. From there, we can provide a quote which is usually lower than you’re likely to find on insurance comparison sites. 

Every Professional Saver includes public liability cover as standard. In addition to self-employed public liability, you’re also protected against legal expenses, financial loss, accidental death, and products liability. For more information on each of these automatic covers, please consult the dedicated section above.

Depending on the industry you’re in, you may benefit from a range of different insurance policies. Business insurance is quite a broad term, and can include cover for things like employers’ liability, professional indemnity and property damage. In some cases, it can be worth making sure that your public liability insurance cover also includes things like professional indemnity insurance cover, employers liability insurance where applicable, and even business equipment cover.

Finding the right insurance cover for you can be tricky. Fortunately, the team at Professional Saver has worked to make it as simple as possible for any self employed professional in the UK. Self employed insurance needn’t be confusing – simply apply with Professional Saver, and we may be able to provide comprehensive coverage to protect you.

Professional indemnity insurance is an insurance product which protects professionals and businesses from claims made against them for mistakes or negligence in the course of their work. In particular, it can provide cover for legal costs related to defending a claim, as well as any settlement awarded if found liable. 

Professional indemnity insurance is normally required by employers, or the self-employed, operating within certain industries or professions, such as accounting, architecture, engineering and IT.

Self employed insurance is not a legal requirement in the UK. However, it is advisable to have some form of cover in place if you’re operating as self employed, or even running a small business. Depending on your industry and where you work, certain insurance policies may be compulsory – so make sure to check before starting any job. Protecting yourself, your client and the general public is extremely important, not just for your reputation and safety, but also for your livelihood. If a client claims against you, or a member of the general public makes a claim and you don’t have the right insurance cover in place, you could be vulnerable to extremely costly legal fees.

The cost of your self employed insurance depends on a range of different factors, including your history and the type of tradesperson you are. The cost can also be influenced by the kinds of coverage you require – for example, professional indemnity cover, public liability insurance cover and tools and equipment cover will typically cost more than just public liability insurance. Self employed people across the UK need to pay different amounts for their business insurance policies depending on their daily risks, and the risk they pose to those around them.

However, here at Professional Saver, we’re dedicated to keeping insurance costs as low as possible for all self employed professionals we cover. For an accurate quote on how much you could expect to pay for insurance as a self employed person in the UK, apply with Professional Saver today.

Yes, it will. The purpose of public liability or professional indemnity insurance for self-employed professionals is to protect yourself, your clients and the general public around you. When you’re protected by the right insurance, you have a safety net around you, protecting your business and livelihood, in addition to being able to provide compensation pay outs to anyone injured as a result of your work.

Yes, we can! One thing that often causes confusion amongst professionals in the UK is exactly what kind of insurance cover they need. Here at Professional Saver, we can provide a diverse range of insurance covers, from personal accident cover to employers liability insurance, general liability and professional indemnity covers. Whatever kind of cover you need, excluding vehicle insurance, we aim to be the one stop shop for all your self-employed insurance needs!