Tradesman Public Liability Insurance

Adequate Public Liability protection is critical for tradesmen due to the nature of their work often leaving them vulnerable to claims for property damage or bodily injury.

Most Public Liability policies provide cover for an occurrence resulting in bodily injury to another person or damage to another person’s property. All policies, however, include conditions and exclusions limiting or possibly excluding cover. Most policies do not provide cover for work with asbestos and some policies have limitations on welding work, digging and excavation or work over certain heights. In the event of a large claim (and serious bodily injury claims are now reaching $20 million), if the insurance limit is not high enough your personal assets will be at risk.