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​Wh​at Is Public Liability Insurance?

What Is Public Liability Insurance
Contact Qdos Contractor:0116 269 0999

Public Liability FAQs


Public Liability Insurance Explained

Public liability insurance is one of the most popular insurance policies among the self-employed, whether you are a limited company contractor or sole trader.

What is Public Liability Insurance?


Public Liability Insurance is a business insurance policy which 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 such party brings legal action against you.

It is designed to cover the costs of your defence as well as compensation claims where necessary.

Public liability is a 'claims-occurring' policy meaning that you must have the policy in place at the time of the incident which gave rise to the claim rather than at the time of the claim being made. 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.

Public liability vs Products liability


Both public liability and products liability policies will react in the event of legal action being made against you in respect of third party injury or damage to third party property, however the cause of the loss is where the difference lies.

Public liability insurance will react in circumstances where legal action is taken in relation to third party injury or property damage occurring in the provision of your services.

Products liability insurance will react in circumstances where legal action is taken in relation to third party injury or property damage occurring due to products sold or supplied by you.

For example, smashing a client's window with a ladder could give rise to a public liability claim, whilst selling a customer a faulty electrical item which subsequently electrocutes them could give rise to a products liability claim.

Products liability is included within Qdos public liability insurance policies.

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The Company


About Us

Why Qdos?


Qdos Contractor are one of the leading providers of specialist contractor insurance services in the UK. Our online application process takes only a matter of minutes with all 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. In addition, Qdos Contractor is one of the leading authorities on the IR35 legislation and have handled well over 1,500 IR35 enquiries on behalf of UK contractors.


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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