Public Liability insurance for small businesses and
tradesman
Towergate Insurance’s public liability
insurance for business owners and tradesman is designed to
cover legal defence costs for alleged negligence causing injury or
damage to third parties arising out of business activities and to
pay compensation if your business is found to be at fault.
Go through our simple quote process and you can choose what
public liability insurance policy suits you best.
You will receive up to 5 different quotes from major insurers –
just pick the right policy for you and buy online!
Common features
- Employers’ liability
- Public liability with varying levels of cover
- Contract works
- Tools
- 24-hour tradesman helpline
- Cover can be extended for temporary employees
As a tradesman, small business owner and/or employer, you have a
legal responsibility towards your employees, customers and the
public. You could be held legally liable and risk being sued if an
employee or a member of the public is injured due to your
negligence. For over 25 years, we’ve provided public
liability insurance to all kinds of businesses and
tradesman, small and large. So we know that every business is
different.
Public liability insurance is designed to cover
legal defence costs for alleged negligence and to pay compensation
where the business is found to be at fault.
The increased number of lawyers prepared to accept a conditional
fee (the so called 'no win no fee') arrangements is widely accepted
as a sign that employees and members of the public are more likely
to litigate now than ever before, following injury or illness for
which they hold you or your business accountable. The cost of
paying compensation, following a legal claim made against you by a
member of the public or an employee, could be ruinous for your
business.
Some of the policies from our panel of insurers include the
following features:
- Temporary employees cover free of charge
- Free legal cover
- Tradesman 24 hour help line
- European cover
How to Claim
At Towergate Insurance, we are firm believers that, where
possible, prevention is better than cure. We understand the sort of
disputes that can lead to allegations being made about your advice
or service and we do everything we can to minimise our clients'
chances of ever needing to make a claim.
Please refer to the policy booklet or the policy summary which
will contain a page headed 'How to Claim' (or similar). This will
give specific telephone numbers for you to contact, with many
insurers having a 24-hour claims helpline number. When you call
them please ensure you have your policy number to hand.
If you would like to speak to a member of our customer relations
team to notify a claim, please call us.
Commercial insurance
Weekdays: 9:00am - 5:30pm
0844 892 1384
commercial.riskline@towergate.co.uk
