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Public Liability Insurance for OFTEC Registered Technicians

Public Liability
Get a quote & buy online

Public Liability Insurance

What cover can I get?

Public Liability cover of £2m or £5m available

Personal Accident cover from £300 to £500 per week (Plus cover only)

Optional extensions include Employers’ Liability, Contract Works, Owned Plant, Hired in Plant, Jury Service and Stock in transit

24hr Tools cover included (Classic and Plus covers)

Who do we cover?

Plumbing, heating & oil engineers, including work on commercial and domestic properties

Sole Traders, Limited Companies, Partnerships and Limited Liability Partnerships

Cover for a secondary trade is available, from a list of 70 trades

Businesses with up to 15 manual employees or trainees

Why do I need Public Liability Insurance?

OFTEC requires all OFTEC registered businesses to hold appropriate insurance

You or your company may be financially liable for the result of an accident caused by you, your company or a contractor

Claims could result from incidents at your premises or elsewhere

Public Liability claims can be very expensive – having a major impact on your business

Flexible levels of cover

We offer 3 Public Liability insurance cover levels – Essentials, Classic and Plus:

If you’re only after Public Liability insurance without all the bells and whistles, Essentials could be for you. With Public Liability limits of £2M or £5M to choose from, and £10M of Employers’ Liability cover automatically included if you have employees (which also includes 100 days of Temporary Employee cover), this could meet your most basic insurance needs.

For those that want a little more from their insurance, Classic extends Essentials cover by including £1,000 of 24hr tools cover for the first employee, which can be increased to £5,000, as well as Professional Indemnity cover of up to £100,000 to help cover your professional advice.

Our top level of cover, Plus, builds on both Essentials and Classic by including Personal Accident cover, designed to pay a weekly sum if you are unable to work as the result of an injury sustained at work. This starts at £300pw and can be increased to £500pw if required.

And because we know that no one size fits all, you can further extend your policy by adding Jury Service cover, Stock in Trade & Transit (available with Tools cover), Contract Works, Owned Plant or Hired in Plant.

Have a look at our Policy Wordings for more information.

Ready to get a quote?

Public Liability
Get a quote & buy online

Need any help? Contact our team