Public Liability Insurance for Businesses & Tradespeople | SRS Insurance
Protect your business against injury or property damage claims with SRS Public Liability Insurance. Affordable cover for tradespeople, retailers, and contractors.
What Is Public Liability Insurance?
Public Liability Insurance protects your business if someone is injured or their property is damaged because of your work.
It covers legal costs, compensation, and damages, helping you trade with confidence and meet legal or contractual requirements.
Whether you’re a sole trader, contractor, or company, SRS Insurance provides tailored cover to keep you protected from costly third-party claims.
Who Needs Public Liability Insurance?
Any business or self-employed person that deals with the public should have public liability insurance. This includes:
- Tradespeople – plumbers, electricians, builders, decorators
- Retailers and shop owners
- Cafés, salons, and barbers
- Event companies and organisers
- Contractors working on-site or in clients’ homes
- Landlords with communal or shared areas
- Home-based businesses that have clients visiting their premises
If your work involves public interaction or site visits, this cover is essential.
What Does Public Liability Insurance Cover?
A public liability policy typically includes:
- Injury to third parties – e.g. a customer slips on a wet floor
- Damage to third-party property – e.g. a decorator spills paint on a client’s carpet
- Legal fees and compensation payments
- Accidental damage caused during work activities
Cover limits usually range from £1 million to £10 million, depending on your industry, contracts, and risk exposure.
What Isn’t Covered
Public Liability Insurance does not cover:
- Injuries to your own employees – this requires Employers’ Liability Insurance
- Damage to your own property, tools, or stock
- Professional advice or design errors – covered by Professional Indemnity Insurance
- Deliberate acts, fraud, or gross negligence
How Much Does Public Liability Insurance Cost?
The cost of cover depends on:
- Type of business and level of risk
- Annual turnover and staff numbers
- Claims history and experience
- Limit of indemnity required
Example guide:
- Sole-trader handyman: from £150–£300 per year
- Large events company: several hundred pounds annually
SRS Insurance compares leading UK insurers to find affordable, tailored protection for your business.
Why Choose SRS Insurance?
- Independent UK broker with expertise in commercial and trade insurance
- Access to a wide panel of specialist liability insurers
- Fast quotes, instant documents, and straightforward claims support
- Cover designed for businesses of all sizes
- Personal service from our team of experienced advisers
Get a Quote Today
Protect your business from unexpected claims with SRS Public Liability Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.