Professionals Public Liability
Your Public Liability Insurance policy will cover your legal liability to pay damages in the event of a third party (member of the public) sustaining bodily injury, death or damage to their property or person as a result of your business activities.
Helps the tradesman defend themselves against any allegations or wrong doings to a third party and in the event that it is proved that the tradesman was indeed negligent, and had either injured or caused damage to another the Public Liability Insurance would pay damages awarded up to the level of the cover the tradesman has chosen.
This is a legal requirement for all employers. The Employers Liability (Compulsory insurance) Act 1969 sets out a minimum level of Employers Liability required currently at £5,000,000 (although most insurers offer £10,000,000 as standard cover).