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  • Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

  • Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

  • Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

  • Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

  • Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

  • Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

  • Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

  • Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

Public Liability Insurance

Make sure accidents don’t hurt your business

If you work with or near people and their property, you’ll need cover against any mishaps.

Call for a Quote

Provided by Able Insurance Services Ltd

What is public liability insurance?

If your work means you come into contact with members of the public and their property – and that includes customers – it's important to consider public liability insurance.

If you're unlucky enough to injure someone or damage their property, public liability insurance can help cover potential legal costs and compensation payments, as well as repair work or medical fees.

It's also important to check your customer contracts to see if they specify a minimum amount for public liability insurance.

Gladiator Public Liability Insurance covers a wide range of professions from tradesmen to dog walkers, and we can cover up to six trades or professions on a single policy. We offer cover limits to suit your business needs, or you can choose from our set limits:



  • £1 million
  • £2 million
  • £5 million

Owned or hired plant insurance

Building contractors and tradesmen spend time on sites in either their own or hired machinery. Plant insurance covers the cost of theft and damages to this machinery.

We can cover:

Diggers and mini-diggers

Cherry pickers

Concrete mixers

Cranes

Dozers

Dumpers

Excavators and mini-excavators

Forklifts

Generators

Loading shovels

Ride-on road rollers

Trailers

Contracts works cover

Contract works insurance covers work in progress on a construction site. It’s invaluable for construction companies if client contracts hold them responsible for unfinished work.

This insurance covers the cost of repairing or redoing work (including labour, materials, tools etc) on a construction site if it’s damaged or destroyed while in progress by an insured event like:

  • Fire
  • Flood
  • Storms
  • Vandalism
  • Theft

The cost of contract works insurance depends on several factors, including business activities and cover level and you should choose a cover level that matches the total cost of your largest project. Think about what it would cost to redo the work from scratch and don’t forget to include labour and materials.

Employers’ Liability Insurance

Employers' liability cover protects against the cost of compensation claims from employees for illness or injury that happened as a result of their work for an employer.

It’s a legal requirement for businesses with employees and each day without cover can result in fines of up to £2,500.

Examples of where this cover would prove invaluable include:

  • An office worker is badly injured when they trip over a cable running across the floor
  • A former employee is diagnosed with an illness related to asbestos exposure during their work
  • A builder is electrocuted by a piece of faulty electrical equipment supplied by their employer

In each case, a compensation claim is brought against the employer or former employer. The court can order the employer to pay compensation for injury, costs and other damages, a figure that can include medical care and lost income.

Employers' liability insurance covers the compensation payment and legal costs, up to the limit of the policy.

Tradesman policy

If you want to add cover for yourself and your employees, our Tradesman policy could work for you. This will give you Public and Employers' Liability Insurance.

Employers' liability insurance provides cover if an employee suffers an accident, injury or illness as a result of their work, leading to a legal dispute or compensation claim.

As well as protecting your staff, these policies also look after you and your business. Every UK Employers' Liability policy provides at least the legal minimum £5 million cover – however, policies taken out through Gladiator provide £10 million as standard. Since these costs might otherwise have to be paid by your business, it's crucial to get the correct cover in place.

Frequently Asked Questions

How much is public liability insurance?

The cost of your public liability insurance depends on several factors including:


  1. The kind of business you run
  2. How much cover you need

Do I need public liability insurance?

If you work with members of the public and/or their property, you should consider public liability insurance. It’ll help with legal costs and repairs if you injure someone or damage their property in the day to day running of your business.

What does public liability insurance cover?

Public liability insurance covers the potential costs associated with injuring someone or damaging their property during the course of your business. This might include (but isn’t limited to):


  • Repair costs
  • Legal fees
  • Medical costs
  • Legal fees

Able Insurance Services Ltd

Liability Insurance is arranged and administered by Able Insurance Services Ltd (Ellipse, Ground Floor, Padley Road, Swansea SA1 8AN) - FCA registration number 311649, trading as Gladiator, which is authorised and regulated by the Financial Conduct Authority.

Call for a quote