Public Liability (PL) Insurance is one of the core insurances required by contractors. It provides cover for the cost of legal representation and compensation arising from claims made against your company where a third party suffers bodily injury or property damage as a result of your business activities.

End clients and recruitment agencies will usually require contractors to hold Public Liability insurance before an engagement can begin, typically with a minimum cover level of £1 million, and now more commonly £2 million or £5 million.

A common misconception is that a contractor is covered under the end client’s or recruitment agency’s insurance policies. In reality, this is rarely the case, leaving contractors personally exposed to potentially significant claims and legal costs. This is why having your own Public Liability insurance is essential.

Holding Public Liability Insurance alongside Professional Indemnity Insurance and IR35 Insurance provides a complete defence against the major risks faced by contractors in today’s working environment.

Roots Contractor Mortgages is part of Roots Contractor – which also consists of specialist business insurance provider Roots Contractor Insurance, and IR35 status assessment experts The Contractor Compliance Portal.

The Contractor Compliance Portal is a completely free platform that allows contractors to assess the IR35 status of their engagements, obtain instant results, and download documentation to be used as evidence if HMRC open an investigation, to compare to a SDS, or just for curiosity!

Roots Contractor Insurance is a 24/7/365 quote & buy platform that allows contractors to take out contractually required business insurances such as Professional Indemnity, Public & Employers Liability and IR35 Insurance.

All companies are part of Vestura Group – a fast growing, agile and dynamic group of specialist financial services businesses.

The Public Liability (PL) Insurance is among the best available for the professions and trades we cover, offering exceptional value for money. Premiums start from just £50.00 (inclusive of Insurance Premium Tax), providing affordable yet comprehensive protection. For added peace of mind, the policy excess can be reduced from £500 to £0 for a small additional cost.

The policies are underwritten by some of the world’s largest insurers, with claims managed by leading UK legal firms. This ensures expert handling, robust protection, and complete confidence that your Public Liability cover is as strong and reliable as it gets.