Public & Employers Liability Insurance FAQ

What are Public Liability and Employers Liability Insurance?

Public Liability Insurance protects you against third party injury and property damage. You are obliged to have Employers Liability Insurance once you have even one employee working under your business name.

How much does it cost?

Traditionally Public & Employers Liability Insurance for tradesmen has been costly – not anymore. At we offer liability cover starting from as little as €1 a day depending on your trade.

How much is covered by Liability Insurance?

Our  Public Liability Insurance policies provide €2.6 million of cover as standard. Cover of up to €6.5 million, as required by many larger companies, local authorities, etc., is also available on standard policies. We can also provide even higher cover upon request.

What is the benefit of getting Liability Insurance? Is it necessary?

In an increasingly compliant working environment, Public Liability Insurance is a must for safeguarding your business’ future. Without Liability Insurance, you run the risk of losing your business and property if a claim is made against you.

Can I save by bundling with van insurance?

Yes you can! At, we will give you a discount off your Liability Insurance if you have your van insurance with us. We will also give you a further discount if you have insurance with one of our affiliated companies:,,,, or CFM Group.

What if my business grows?

If your business grows, we’ve got you covered. We can increase your liability threshold, adjust your insurance mid-policy and increase the number of employees covered as and when you take them on.

How do I make a claim?

We know claims can be stressful at the best of times, so we aim to make the claims process as quick and easy as possible. You will find the contact numbers for the relevant insurance company’s claims team HERE. If you have been involved in an incident and are unsure what to do, just call us on 01 660 6900 and we’ll be happy to help.