Feefo Gold Merchant

​Business Insurance


​Wh​o Needs Public Liability Insurance?

Who Needs Public Liability Insurance
Contact Qdos Contractor:0116 269 0999

Public Liability FAQs


Do I Need Public Liability Insurance?

As a self employed business owner, you have a duty to take reasonable care in ensuring you don't cause injury or damage to property in the course of your services.

Despite all reasonable care taken, accidents can still happen, or you could simply be accused of causing such incidents which result in legal action being made against you.

This is why public liability insurance is the most commonly held policy among the self employed. 64% of 400 self employed professionals surveyed by Qdos in 2019 hold a suitable public liability insurance for their business.

Is public liability insurance ​a legal requirement?


Public liability insurance is not a legal requirement in the UK.

There are a few exceptions to this for specialist activities including riding schools, aircraft operators, and and those constructing railways.

The majority of businesses however will not be affected by these statutory requirements.

When do I need public liability insurance?


Any prudent business owner will hold a suitable public liability insurance policy. In almost all types of business, you will come in contact with clients or passers-by in the course of your services, even those operating from an office or home environment.

You may be at increased risk of such claims however if you undertake work which is in direct contact with customers and clients, provide manual services such as building or electrical work, or operate in high risk environments such as on offshore oil rigs.

Clients will often require that contractors hold a suitable public liability insurance in their contracts, and so in this instance you may be required to take out such a policy or risk being in breach of contract. For limited company contractors, by not upholding such terms, HMRC could deem your written contract irrelevant in an IR35 enquiry.

Still unsure? Use the Qdos Insurance Finder to find suggested policies for you to consider.


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.

Need Help?


Call our team on 0116 269 0999
Or arrange a call back

Call back
Chat with us