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Public liability insurance is one of the most important policies that a tradesman should have. In part two of our exclusions series we explain, in plain language, some of the exclusions in public liability insurance policies that are more likely to affect builders & tradespeople.

Public liability insurance is one of the most important policies that a tradesperson should have. It is intended to protect you from the cost of damaging other people’s property and in some cases causing them injury. Like any insurance policy, there are exclusions to make clear the things that are not intended to be covered by the policy.

With the recent introduction of licensing, many builders and specialist tradespeople are wondering what additional liability they now face. They also want to know what liability insurance is available to protect them. Building professionals are beginning to appreciate that in today’s world, liability insurance is a cost of doing business.

Most public liability policies from mainstream insurance companies specifically exclude the very things that builders are most likely to need. This includes claims for damage caused by “faulty workmanship” (although resultant damage is covered) and cover for the building they’re working on, two of the most likely liability claims.