Who needs 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.