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Product Information

Our Liability Per Capita products are suitable for small companies or individuals that require Employers’, Public and Products’ liability insurance to protect them for their business activities.

In addition, for certain trades the product can be extended to include Tools, Equipment, Contractors All Risks, Professional Indemnity & Personal Accident.

The products are not suitable for companies that have more than 10 manual employees (i.e. direct employees &/or labour only contractors), inclusive of any manually working Directors.

Our insurer partners offer multiple levels of cover and policy benefits. For more details, please browse through our range of Tradesman Liability documents within our Resources page.



  • Public Liability limits up to £10m available
  • Up to 10 Manual Workers
  • Temporary employees covered up to 200 days
  • Will allow up to 50% of turnover on Bona Fide Sub Contractors
  • No maximum turnover
  • 24hr tools cover available
  • Contract Works, Own Plant, and Hired in Plant available as additional covers
  • Professional Indemnity & Personal Accident available as extensions for majority of trades


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Available Trades

Acoustic Engineer Electrical Contractors Pipe Insulator
Aerial & Satellite Dish Erectors Electrical Tagging Pipe Laying
Agricultural Contractor Electrical Testing Plant Hirers
Agricultural Engineers Engravers Plasterers
Air Conditioning Engineers Exhibition Stand Erector Plumbers
Alarm Installers Fabricator Plumbing and Heating Engineer
Artexing Farm Worker Point Of Sale & Display – Installation
Artistic Painters Sculpters or Potters (Ex metal & wood working) Fencing Contractors Powder Coatings
Automatic Door Installation Fire Extinguisher Service Engineer Pressure Cleaning
Banksman Fire Proofing and Fire Protection Engineers Project Manager
Bath Resurfacers Fireplace Installation Property Maintenance and Repair
Bathroom Installation Fitted Furniture Installers Refrigeration Engineers
Bedroom Furniture Installation Floor Screeding Rendering Contractor
Bill Posters Floor Tiler Road Repair
Boiler Services (Domestic) Flooring Contractors Road Surfacing
Bricklayers Furniture Repair &/Or Restoration Roller Shutter Door Installation
Broadband Installer Garage Door & Gate Fitters Roof Cladding
Builder Glass Or Glass Goods Decorators/Engravers Roof Tiler
Cable Contracting Glaziers Roofers
Calibration Consultancy Gravediggers Roughcasters
Car Hirers Grounds maintenance Satellite TV Installers
Car Valeter Groundworker Shelving And Racking Installation
Caretaker Gutter Cleaners (PL ONLY) Shoe Polisher & Repairer
Carpenters Guttering & Fascia Board Fitters Shopfitters
Carpet & Upholstry Cleaners Gym Equipment Fitters Shuttering and Formwork
Carpet Fitters Handyman Sign And Poster Maintenance Contractors
Caterers Heating Engineers Sign Erectors
Cavity Wall / Loft Insulation Heavy Plant Operators Signwriting
CCTV Installation High Pressure Jet Washing Skip Hire
Ceiling Contractors Hoarding Contractors Soft Stripping Contractors
Celebration Cake Makers Hod Carriers Solar Panel Installation
Chefs House Clearance Stained Glass Fitters
Chimney Sweeps Joinery Stair Lift Installation/Repair
Civil Engineering Kitchen Installer Steam Cleaners & Pressure Washing of Paths,Patios & Driveways only
Cladding Contractors Labourer (PL ONLY) Steel Reinforcement
Cleaner Landscape Gardeners Stone Masons
Coach Operators Lawn Services Street Lighting/Telegraph Pole Installer
Computer Installers / Repairers Leaded Lights and Windows - Fitting Suspended Ceiling Contractors
Conservatory & Porch Erectors Lift Installation Swimming Pool Installation
Construction Plant Repairer  Locksmiths Taxidermist
Corrosion Consultant Loft Conversion Contractors Telecommunication Engineer
Curtain & Blind Fitters Mastic Sealant Contractors Telephone Point / Extension Installation
Curtain Making Meter Reading Telephone System (Including wireless signalling installations) & Data Cabling Installers
Curtain Walling Milk Delivery Thatching
Damp Proofing & Dry Rot Control Monumental Masons Thermal Insulation
Damp Proofing and Timber Treatment Motorcycle Couriers Timber Decking Contractors
Diamond Driller Nail Technician TV Aerial Erectors
Domestic Appliance Installation & Repair Office Equipment Installers & Repairers Upholsterers
Domestic Chair/Stair Lift Installation Office Fitter Vacuum Cleaner Repairs & Servicing
Domestic Oven Cleaner Painter & Decorator Vending Machine Filling & Maintenance
Domestic Shed & Garage Erectors Park Keeper Ventilation
Domestic Wheelie Bin Cleaners Partitioning Contractors Video Services
Door Fitter PAT Testers Wall Tilers
Double Glazing Installation Paths,Drives & Patio Cleaners Washing Machine Repairs And Servicing
Drain Cleaners Paving Path Drive & Patio Contractors Water Tank Installation
Drainage Pebble Dashers Wheelie Bin Cleaners - Domestic
Draught Proofing Pest Controllers Wind Turbine Installation
Dry Stone Wall Construction/Repair Photographers (Exc. Studios) Window Cleaners (PL ONLY)
Ducktwork Installation Picture Framer Window Cleaners - water fed pole method
    Woodburning Stove Installation
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