Public liability insurance provides insurance against compensation and legal costs awarded to the public as a result of injury or damage to their property caused by you or your business. Insurance can be extended to include employers liability insurance should be seen as an essential form of insurance for any small business or sole trader.

Combined public & employers liability policies Monthly premium policies Immediate cover available online

Our liability insurance service
Our online liability insurance quote service is free, and is designed to do the "shopping around" for you. We research all of the leading public liability insurance providers to provide you with the very best liability insurance packages. Quotes and cover can be obtained online or if you prefer you can print off and fax back our public liability insurance quote form.

Immediate cover
No forms and no signatures with immediate cover for over 230 trades and professions. Use our online software to search for the latest rates, print off your own quotes and complete your application online. Using our online public liability software allows you to arrange your new liability insurance policy in less then ten minutes. Obtain immediate public liability insurance cover now.

Monthly premiums
Using our online software you can also choose to spread the cost of your insurance and pay monthly by direct debit. You can also choose to pay annually by credit or debit card (Mastercard, Visa, switch, solo and Maestro).

Tradesman liability insurance
Our tradesman liability insurance packages are designed for sole traders and small businesses employing less than 10 employees, typically in the building and associated trades. Available to over 200 different trades and people in manual occupations our policies provide public liability insurance of £1M, £2M, or £5M and can be combined with employer’s liability if required.

Tools of trade cover, proving all risks insurance on portable tools and equipment used in the course of daily trade, and goods in transit can also be included.

Professions liability insurance
Our professions liability insurance packages are designed for sole traders and small businesses in all non-manual and professional occupations. Providing cover to over 120 different occupations with a choice of £1M, £2M, £5M of public liability insurance and optional employers liability insurance of £10M. Rates start from £50 per annum.

Employers liability insurance
Employers liability insurance is a legal requirement if you employ one or more people. A person is classified as an employee if they are: PAYE employees (including directors), labour only sub contractors, hired persons, volunteers and persons provided by government sponsored schemes. A partnership may elect to include or exclude employers liability insurance for injuries to working partners.

Online quote system
Our online quote system is provided in conjunction with central electronic trading agency limited (CETA), a national insurance network which is registered with the Financial Services Authority. The quote system provides a comparison and purchase facility for three of the leading liability insurers. If you use this service and purchase your policy online, all documentation, administration and claims will be handled directly by CETA.

Complex risks
If you have a detailed claims record, use heat / welding equipment, or have an unusual trade we would recommend completing our public liability insurance quote form. We will then arrange for a whole of market review to find you the best possible solution for your insurance needs. This can extend to using products and services provided by insurance networks, Lloyds of London brokers, other insurance intermediaries as well as insurance companies.

Alternative options
Office insurance policies will normally include public and employers liability insurance as an optional extra within the same policy.

Directors & officers insurance provides protection for owners and senior management against any personal liability claims from shareholders, employees and other interested parties.

Professional indemnity insurance provides insurance against the costs incurred in the defence and settlement of any negligent act or omission for any business providing advice and services.

To request a quote
Complete our online public liability insurance enquiry form or call one of our specialist liability advisers to request your free liability insurance quote. As an internet based firm of independent insurance intermediaries we provide advice over the telephone, via email and through the post. Dealing with you in this way allows us to discount our commissions to provide you with the lowest priced public liability insurance policies.

Help & advice
There are many different options to consider when choosing liability insurance and it makes sense to take advice from a qualified specialist who is independent and can offer you products and services from the whole of the market place. Please call one of our independent advisers or contact us to discuss the different options available to you and to request your public liability insurance quote.