What is public liability insurance?

Public liability insurance covers the cost of legal action and compensation claims made against a business if a third party is injured or their property suffers damage whilst they are working in your home, office or business.

Why is it important?

If a trade does not have this insurance and were to have an accident, you would not be able to claim against the insurance which makes pursuing a claim costly and time consuming.

Does my trade have public liability insurance?

We request proof of public liability insurance when trades start out with us. We renew this check annually where a policy has been uploaded. Where we have not checked public liability we will make this clear when you view the trades interested in your job. This does not mean that the trade doesn't have insurance, it simply means that they have not uploaded it to their account with us.

How do I check if a trade is insured?

There is no central checking service like there is with Gas safe or Electricians and so you will need to ask your trade to see their certificate of public liability insurance. Most reputable trades will have this available for inspection if required.

Reviewed by MyJobQuote on 14th March 2019.

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