Find a specialist public liability insurance broker
Public liability cover is priced on the detail of what you do — your trade, turnover, work activities and claims history. CoverBroker matches you with a broker who places liability and trade risks daily, so your renewal is negotiated properly instead of auto-renewed.
Free, no obligation — you don't pay a fee to be matched.
How we match your liability risk
The right public liability broker depends on the detail of your work. When you submit an enquiry we ask about your trade, activities and claims history, then match on the criteria below.
Trade and work activities
Builders, electricians, plumbers, cleaners, caterers, shops, salons and tradespeople — we match you with brokers who place liability for your type of work every day.
Turnover and payroll
Brokers who size your indemnity limit to your turnover, contract values, and the scale of work you take on — not a one-size-fits-all figure.
Hot works, height, and tools
Underwriters load premium on heat tools, work at height, sub-contractors, and tools cover. The right broker presents these accurately so the price holds.
Claims history and excess
Brokers who frame your claims history honestly and negotiate an excess you can carry, so a claim does not become a cashflow problem.
Your documents are safe
Upload your current public liability schedule, statement of fact or renewal invitation. Here is exactly how they are handled.
Secure storage
Your public liability documents are encrypted at rest and shared only with your matched broker.
GDPR-ready
UK & EU data protection. You can delete your documents at any time.
No obligation
Free to use. If the broker cannot improve on your current terms, you simply stay where you are.
Public liability questions
- What is public liability insurance?
- Public liability insurance covers your business when a third party — a customer, visitor, or member of the public — is injured or their property is damaged because of your work or premises. It pays the legal costs of defending a claim and the compensation you become liable for, which can run far beyond the cost of the job that caused it.
- Why use a public liability broker instead of a comparison site?
- Liability underwriters price on the detail of your trade: the activities you carry out, where you work, whether you use heat tools or work at height, your turnover, and your claims history. Most specialist liability markets do not appear on comparison sites. A broker who places trade and liability risks daily can present your work accurately to the right underwriter and negotiate the limit, excess, and endorsements around how you actually operate.
- Do I need public liability if I am a sole trader or contractor?
- Many sole traders, tradespeople, and contractors are required to hold public liability by clients, contracts, or trade bodies before they can start work. Even where it is not mandatory, a single incident — a dropped tool, a trip hazard, a damaged floor — can produce a claim that dwarfs your annual revenue. A broker can place cover sized to the contracts you actually take on.
- What documents help a public liability broker quote accurately?
- Your current policy schedule, statement of fact, and renewal invitation. If you have them, a claims history summary and any contract requirements or indemnity limits you must meet help too. Upload whatever you have — your matched broker will tell you if anything else is needed.
- Is the introduction and AI review free?
- Yes. The introduction to a specialist public liability broker and the optional AI review of your current policy are both free. If a broker takes your enquiry forward, they may pay us a referral fee.
Not sure if you need cover at all? Read our guide: Do I need public liability insurance?
Get a public liability broker quoting on your renewal
Upload your schedule or statement of fact and we'll introduce you to a specialist public liability broker — with an optional free AI review of your current cover.