Need PL for a contract?
Public Liability Insurance for UK Tradespeople
Most UK contracts require £2m or £5m public liability. See what's covered and what's not.
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The short answer
Public liability covers injury to third parties and damage to their property arising from your work. Standard UK limits are £1m, £2m or £5m. It excludes damage to the work itself (need contract works cover) and employee injury (need employers' liability).
Frequently asked
- Is PL legally required?
- No, but most local authority and main-contractor contracts mandate £5m.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$7 per analysis · No subscription · PDF only