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Business Insurance


Public Liability Insurance


From £4.58 (Per Month)

Public Liability Insurance
Contact Qdos Contractor:0116 269 0999

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Public and Employers Liability Insurance

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 is designed to defend your case and, if necessary, pay the damages owed.

Public Liability Insurance is a popular policy for self employed contractors, sole traders, and partnerships in a range of industries - get an instant online quote below​​​.

Free IR35 Contract Assessment Included(when both Public and Employers Liability insurances are purchased only)
Documentation issued immediately for instant cover
One of the most competitive premiums on the market
Competitive rates for offshore workers, including rope access




Instant Online Quote


Get a Public Liability Insurance Quote

Enter your company type, trade, number of people for cover and estimated annual revenue into the quote engine and select the products you require for an instant online quote.

Policy documents are issued immediately following purchase and are available via your online account. Please call our UK customer service team on 0116 269 0999 or use chat with us should you need assistance with your application.

Do I need employers liability insurance?


Employers Liability is not a legal requirement if you are a ‘Ltd’ 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' as per your contract, please check the requirements with your client before purchasing.

Changes to this Policy


For policies incepting on or after 15th April 2021, the below policy wording will apply. Please get in touch should you have any queries.

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


The Company


About Us

Why Qdos?


We offer Public and Employers Liability policies for a range of trades, including those working offshore in high risk roles such as rope access, at highly competitive premiums. Every policy includes a free IR35 contract assessment so you can ensure you start your contract on the right footing, and our online application takes only a matter of minutes with documentation issued instantly. Unlike many other brokers, we don’t hide our premiums until you've provided your details, as we are confident that our premiums, service and product are the best in the market.


Our History


Qdos began in 1988 as a tax consultancy business and has grown significantly over the past two decades, providing expert business services, products and advice. Over the years, Qdos has grown in both size and reputation as a trusted contractor insurance broker as well as an expert tax advisor. Our aim is to provide UK contractors with the assistance and service with IR35 issues they need as well as sustaining excellent quality and competitive premiums in the contractor insurance market.

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Public Liability Explained


Public Liability Insurance FAQs

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.

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Who needs public liability insurance?


Public Liability Insurance is commonly held by most businesses, whether they are a limited company, partnership 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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What does public liability insurance cover?


Public Liability Insurance covers your 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 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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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 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
  • We offer competitive rates for those operating in specialised environments such as rope access contractors and those working offshore in the energy sector

Cover for a range of trades


Self Employed Public Liability Insurance

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?


Call our team on 0116 269 0999
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