Public Liability Insurance for Sole Traders

Why Sole Traders need liability insurance

As a solo trader, you hold all of the responsibility for the future of your business, just one accident can cause untold financial trouble solely for you. If you were to cause damage by mistake to someones property public liability insurance is the answer.

Public liability insurance for sole traders covers all manner of injuries and damage you may cause at work. From minor property damage right up to major injury or even death. It protects you from the cost of any unexpected incidents that you, as a sole trader, could be liable for. Public liability is not required by law but it is obviously of high importance.

Common types of claims

• A customer trips on your tool box that you left on the floor and breaks their foot
• You drop a tool in a sink causing it to crack and needing replacing
• Varnishing some wood, it drips onto the floor and does not come off

This cover is optional but Ashburnham recommend that you certainly consider having it. Furthermore, if you have valuable equipment, you may wish to consider tools cover to provide compensation in the event of them being stolen.

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