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Self Employed Business Insurance

 

Public Liability Insurance

 

Cover From £4.58 (Per Month)

Self Employed Woman Buying Public Liability Insurance
Contact Qdos Contractor:0116 269 0999
 
 

Get a Quick Quote Online Today

 

Public and Employers Liability Insurance For The Self-Employed

Get Public Liability Insurance for contractors, freelancers and self-employed professionals with same day cover using the quick quote below.

Liability cover is a popular policy for contractors, sole traders, and partnerships across a range of industries. Often stipulated within contractual agreements, this policy is also a staple insurance policy for anyone providing services whether from a client's premises or your own home.

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Free IR35 Contract Assessment Included
(Public & Employers Liability Only)
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Documentation issued immediately for instant cover
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Dedicated Service with Assigned Account Manager
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Competitive rates for offshore workers, including rope access

 

What is Public Liability Insurance?

 

Public Liability Insurance is a business insurance policy which covers you for the defence costs and, if necessary, your legal liability to a third party where you have caused, or are alleged to have caused injury or property damage in the provision of your services. The third party in question does not have to be a client, they may be a member of the general public who has suffered such losses and seeks compensation from you. Learn more

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Instant Online Quote

 

Get a Public Liability Insurance Quote

Join 100,000+ self employed contractors and sole traders who choose Qdos for their business insurance today. 

Enter your basic details into the quote engine and select the products you require to get an instant online quote for self employed public liability insurance. Not sure which policies you need? Click here to use our free insurance finder.

  • Instant online quotes - we don't ask for your personal details to provide a quote
  • Only pay for the cover you need
  • Account-managed service - speak to the same representative whether once a week or one a year
  • IR35 Contract Assessment worth £49 provided free when you purchase both Public and Employers Liability insurance
  • Same day cover with instant documentation
  • 30% off Self Assessment services for every Qdos customer (provided by third party)

Not sure which policy wording
applies to you?
The applicable variant of the policy wording will display during your application for review prior to payment. Alternatively, please contact us on 0116 269 0999 for assistance.

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(inc. Insurance Premium Tax as applicable)

**(+ VAT @ 20% on checkout)

One-off £23.00 charge applied for monthly payment

Please note: Review products are not included in the monthly premium

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The Company

 

About Us

Why Qdos?

 

We specialise in Public Liability insurance for self employed contractors, freelancers, and sole traders operating in a range of industries, including offshore in high risk roles such as rope access. Every policy includes a free IR35 contract assessment for limited company contractors, so you can ensure you start your contract on the right footing, and 30% off self assessment services for sole traders. Unique to Qdos customers, we assign every customer with a dedicated UK account manager so you can be confident you will receive a personal service without being passed around a call centre.

 

Our History

 

Starting out as a tax consultancy business in 1988, Qdos has grown in both size and reputation to become the UK's leading experts in contractor insurance and IR35 status, winning a number of accolades including the coveted Queen's Award for Innovation 2017 and Best Contractor Insurance Provider or Broker 2020. We utilise our 30+ years' experience to provide self employed professionals with the insurance protection and tax support they need to thrive in today's market.

 

  • Customer Reviews

    I HIGHLY RECOMMEND QDOS. THEIR CUSTOMER SERVICE IS EXCELLENT, HELPFUL AND RESPONSIVE TO YOUR NEEDS. Ravi Mal - Trusted Qdos Customer
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  • Customer Reviews

    EXCELLENT SERVICE. SWIFT, ACCURATE DESCRIPTION OF WHAT WAS BEING ARRANGED, WITH QUICK SET UP AND GOOD PRICE. WILL BE BACK NEXT YEAR. John Diamond - Trusted Qdos Customer
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  • Customer Reviews

    THE STAFF WERE KNOWLEDGEABLE AND HELPFUL AND THE FOLLOW-UP CUSTOMER SERVICE WAS REALLY EXCELLENT. WOULD DEFINITELY RECOMMEND! Irene Theochari - Trusted Qdos Customer
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Public Liability Explained

 

Public Liability Insurance FAQs

What does public liability insurance cover?

 

Public Liability Insurance will react in circumstances where a third party (an individual person, or a corporate entity) brings legal action against you in respect of physical injury, or damage to property, caused by you in the course of your business.

Public Liability Insurance covers your self employed business for the legal fees to defend your case as well as covering the resulting damages if you are legally liable (up to the limit of indemnity indicated on your policy schedule) in the event of legal action from a third party, such as a client, alleging you are responsible for causing bodily injury or damage to third party property.

Policy Excess

 

Public Liability: £500 Each and every occurrence* 
Employers Liability: NIL

Office-based professionals have the option to remove the policy excess of this policy for £10 + IPT during the application.

*Please note the excess is £1000 for losses that stem from the use of any oxy-acetylene or electric welding or cutting/grinding equipment or blow lamps or blow torches and/or arising out of the ownership possession or use of asphalt bitumen pitch or tar heaters.

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Who needs public liability insurance?

 

Public Liability Insurance is commonly held by most self employed businesses, whether they are a limited company, freelancer or sole trader. Given the nature of their activities, those operating in manual roles such as electricians or rope access contractors will be at a higher risk of Public Liability Insurance claims, however office roles may hold some exposure, particularly if you visit client sites or come into contact with members of the public.

Limited company contractors may find that Public Liability is stipulated as a requirement of the contract. In these instances, whilst public liability insurance is not compulsory by law, you could be in breach of your contract by not holding a suitable policy.

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Do I need employers liability insurance?

 

Employers Liability is not a legal requirement if you are a limited company, you are the only employee and you own at least 50% of the issued share capital of the company. For sole traders, Employers Liability is not a legal requirement if your only employees are close family members such as a spouse or civil partner.

If the above applies and therefore you do not need employers liability insurance but have been required to hold 'Public and Employers Liability' by the terms of your contract, please check the requirements with your client before purchasing.

How much public liability insurance do I need?

 

The level of cover you need will largely depend on the type of work that you do - those carrying out extensive manual work will be at higher risk of causing damage or injury than those providing non-manual services in an office environment.

You should however also check with your client or contractual agreement should there be a requirement for you to hold the insurance, to ensure you hold an appropriate level of cover.

Qdos provide public liability insurance cover with limits of £1 million, £2 million, £5 million and £10 million.

How much does public liability insurance cost?

 

The cost of public liability insurance for self employed professionals will depend on a few factors including what you do, the level of risk associated with your trade, as well as how many people you employ.

Qdos public liability insurance starts at £4.58 per month or £55 per year. Use the quote engine above to get an instant quote. We don't require your contact details to offer you a quote, simply enter your company type, trade, number of people for cover, and estimated annual revenue for a quote within seconds.

Why choose Qdos public liability insurance?

 

Qdos Public Liability Insurance is a comprehensive policy designed with the self employed in mind.

  • Purchase is quick and easy with your documents issued immediately after purchase, with an online account to manage your policies.
  • Every customer is assigned a dedicated account manager so unlike most insurance companies, you won't be passed around a call centre.
  • When purchasing with employers liability insurance, limited company contractors benefit from a free IR35 Contract Assessment with their policy
  • Qdos customers benefit from 30% off self assessment services via a third party partner
  • We offer competitive rates for those operating in specialised environments such as rope access contractors and those working offshore in the energy sector
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Cover for a range of trades

 

Public Liability Insurance for Contractors

Qdos are contractor insurance specialists and have been for over 20 years. In addition to award-winning insurance cover, our contractor public liability insurance includes an IR35 Contract Assessment free of charge when you purchase Employers Liability cover alongside.

You may also wish to consider our Contractor Sickness Cover and IR35 insurance policies. Click here to find out more about what's on offer.

Offshore Insurance

 

The offshore working environment is highly specialised and, consequentially, many insurers choose to avoid offering cover to those providing services in such locations. Qdos has worked hard to understand the risks associated with offshore work and are able to offer Employers and Public Liability to a wide variety of self-employed workers (including those providing rope access services) at highly competitive rates. Learn more about offshore contractor insurance here.

Need Help?

 

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