Professional Liability Explained


Liability insurance provides you, whether you are a sole trader or a Limited company, with protection against claims resulting from injuries and damage to people and/or property.

Liability insurance policies cover both legal costs and any payouts for which you would be responsible if found legally liable. A range of trades can be covered including, but not limited to, builders, electricians, cleaning contractors, plumbing and heating, property maintenance, ground workers, metalworkers, scaffolders, roofers and many more.

Covers included are:

  • Public and products liability
  • Employers Liability

Usually the following additional covers can be added under the same policy:

  • Contract works
  • Tools/Equipment
  • Legal Expenses
  • Professional Indemnity
  • Directors & Officers Liability
  • Cyber Liability

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