If your work means you come into contact with members of the public and their property - and that includes customers - then you really should consider Public Liability insurance. Without it, you could face losing your livelihood.

Claims on Public Liability policies can be quite high, so policies usually have a minimum of £1million cover, and may go up to £5million. You should check your customer contracts to see if they specify a minimum amount for your Public Liability insurance. Some local authorities may insist their sub-contractors have at least £5million cover.