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