Business Insurance & Commercial Insurance Products



Tradesmen & Professionals Public Liability insurance

At AXA, we understand that small businesses need to feel protected. Our Tradesmen and Professionals policies will provide you with that peace of mind, whether you are a builder, electrician, carpenter, handyman, consultant, beautician or graphic designer.

Standard cover includes public liability (with up to 50 man days cover for temporary staff) and occupational personal accident for principals, partners and directors. With several optional covers available to choose from, you can tailor the policy to best meet your business needs. For professionals, we can provide professional indemnity cover (this is optional and only available for certain occupations).

Policy Features

Who needs this cover?

Any sole trader or small business with up to eight persons working for the business and a turnover of no more than £500,000. We can provide cover for a wide range of occupations including cleaners, builders, electricians, plumbers, gardeners and many more. This product includes public liability insurance as standard.

  • Public liability insurance

    £1m Public liability as standard, with optional limits of either £2m or £5m to best suit your business needs.


  • Personal accident cover

    Personal accident as standard, covering principals, partners and directors for occupational accidents. Death and capital benefits of £2000.


  • Personal accident extension (optional cover)

    Personal accident weekly benefits of up to £500 per week, for principals, partners and directors under the age of 75.


  • Employers liability (optional cover)

    Employers liability with £10m cover as standard.


  • Own plant, tools and equipment (optional cover)

    Optional cover for own plant, tools and equipment, against loss, theft and damage, with variable limits up to £25,000.


  • Hired in plant (optional cover)

    Optional cover for hired in plant with variable limits to £50,000.


  • Contract works (optional cover)

    Optional cover for contract works with variable limits to £500,000.





Policy Features

Who needs this cover?

Any sole trader or small business with up to eight persons working for the business and a turnover of no more than £500,000. We can provide cover for a wide range of occupations including advertising and marketing consultants, architects and engineers, caterers, consultants, health and beauty professionals, surveyors and many more. This product includes public liability insurance as standard and with optional extras including professional indemnity available, the package can be tailored to meet your business needs.

  • Public liability insurance

    £1m Public liability as standard, with optional limits of either £2m or £5m to best suit your business needs.


  • Personal accident cover

    Personal accident cover as standard for occupational accidents for death and capital benefits fo £2,000 for principals partners and directors.


  • Personal accident extension (optional cover)

    Personal accident weekly benefits of up to £500 a week, for principals, partners and directors under the age of 75.


  • Employers Liability (optional cover)

    Employers liability with £10m cover as standard.


  • Business equipment cover (optional cover)

    Business equipment including mobiles, laptops and PDAs, with variable limits up to £10,000.


  • Professional indemnity (optional cover)

    Professional indemnity for selected trades with cover options of £250,000, £500,000 or £1,000,000.




AXA Public Liability Insurance

Our Public Liability Insurance is not sold as a stand alone product but as a part of our tradesmen and professionals packages