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Practical notes for common trades and small businesses, built around real working risks.
15 detailed guides
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Each page answers one practical question and points out the details worth checking in a quotation or policy.
Public liability insurance for builders
Builders need the description to match the real mix of work: alterations, structural work, roofing, excavation, heat and subcontractors can all change the risk.
Read guide By occupationPublic liability insurance for plumbers
For plumbers, escaping water is the obvious concern, but heat, customer property and work left unattended also matter. Check any water-damage excess and conditions.
Read guide By occupationPublic liability insurance for electricians
Electrical work can cause fire, shock, damage and interruption. The insured activities should cover the systems and premises you actually work on.
Read guide By occupationPublic liability insurance for painters and decorators
Decorators work among customers’ possessions and often use ladders, solvents and spray equipment. Cover should reflect the methods and heights involved.
Read guide By occupationPublic liability insurance for handymen
Handyman work is varied, which makes a complete activity list especially important. Tell the insurer about plumbing, electrical, roofing or structural tasks rather than relying on the single word “handyman”.
Read guide By occupationPublic liability insurance for carpenters and joiners
Carpenters and joiners should consider work in occupied property, machinery, fitted items and any structural or roofing work. Workshop and site risks are different.
Read guide By occupationPublic liability insurance for gardeners and landscapers
Garden work can involve the public, underground services, chemicals, machinery, walls and trees. A mowing round is not the same risk as full landscaping.
Read guide By occupationPublic liability insurance for cleaners
Cleaners handle other people’s property, use chemicals and may work with keys or while premises are empty. State whether you clean homes, offices or specialist sites.
Read guide By occupationPublic liability insurance for window cleaners
Window cleaners need to declare working height, access method and the types of buildings served. Water-fed poles, ladders, platforms and abseiling are not treated alike.
Read guide By occupationPublic liability insurance for roofers
Roofing combines work at height with heat, water and the chance of damage inside the building. Be exact about roof type, methods and maximum height.
Read guide By occupationPublic liability insurance for dog walkers and pet sitters
Public liability can address certain injury or damage claims, but animal care, keys and the animals themselves may need specific wording or additional cover.
Read guide By occupationPublic liability insurance for photographers and videographers
Photographers work around guests, cables, stands and hired venues. Public liability can sit alongside equipment and professional cover, but each does a different job.
Read guide By occupationPublic liability insurance for personal trainers
Personal trainers should describe where sessions take place, the activities taught and who takes part. Public liability may not cover professional treatment or advice in the same way.
Read guide By occupationPublic liability insurance for market traders
Market traders need to describe the stall, products and any preparation, heating or demonstrations. Organisers often set a minimum limit and ask for a certificate.
Read guide By occupationPublic liability for mobile hairdressers and beauticians
Mobile treatments combine work in customers’ homes with products, hot tools and professional treatment. Public liability alone may not cover treatment outcomes.
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