Public Liability

Public Liability Insurance protects your business against costly third-party claims for injury or property damage caused by your negligence, making it essential for any business that interacts with the public.

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Public Liability Insurance for Building Contractors

In short, Public Liability Insurance covers your UK business against any third-party claim being made against you where you or an employee are deemed to have been negligent, causing either damage to a third party’s property or causing someone to suffer illness or injury.

Many UK business owners don’t take the time to explore what Public Liability Insurance is and whether they actually need it. However not having this insurance in place could potentially put your business at risk. Should the worst happen, and a claim was made against your business for tens of thousands of pounds; could you settle the claim without a Public Liability Insurance policy to help?

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What is Public Liability Insurance?

There are many common types of claim filed in the UK; slips and trips are amongst the most common accidents reported, which can often result in a claim against your Public Liability Insurance policy. Claims from people who are on a client’s premises are common too, for example; someone tripping over IT equipment, slipping on an unmarked spill or stock falling onto someone – the list is endless. A suitable insurance policy with the right level of cover is a must for any conscientious UK business.

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See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

Is Public Liability Insurance compulsory in the UK?

Whilst this type of insurance isn’t a legal requirement for most businesses, you should consider it to be essential if you engage with the public in any way whatsoever, even if you just have customers visiting your work premises. This is also applicable if you work from home and you meet clients there.

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