*Based on one non-manual worker
Public Liability Insurance for contractors, freelancers, and self-employed professionals is a business insurance policy that reacts in circumstances where you have caused (or are alleged to have caused) injury to a third party or damage to third party property in the course of delivering your services, and that party brings legal action against you. The third party doesn’t have to be a client, they could be a member of the general public that seeks compensation from you.
It’s a popular policy among contractors, sole traders, and partnerships, and covers the costs of your defence as well as compensation claims where necessary.
Public Liability is a 'claims-occurring' policy which means that the policy has to be in place at the time of the incident that gave rise to the claim, as opposed to when you notify of us of a claim. For example, if you caused damage to third-party property during the policy's term but legal action wasn't brought about until after your policy ended, you would still be covered under the policy.
Qdos provides annual policies with a range of indemnity limits (levels of cover) of £1 million, £2 million, £5 million and £10 million. You can also add Employers Liability to your policy where relevant.
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