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While working as a labourer you’re likely to be shifting, lifting, cleaning and assisting. It can be a high-risk role, but it’s not just your own health you need to take into account: if you’re blamed for injury or property damage, you could face a hefty compensation claim. If you’re sued, your public liability insurance can pay for the legal costs and compensation amount, which can be substantial. You can add other covers to your labourer insurance policy too, including personal accident insurance and tool insurance.
Cover from £6.81 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.81 or less across all our trades insured. Based on data from 1 July - 31 December 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)Start your quote
In general, it’s up to you to decide on the insurance you need, based on the requirements of your trade. Also keep in mind that the specific sites you're working on may stipulate that you have certain covers in place, so it's always best to check.
Public liability insurance will be central to your labourer insurance policy. If you were blamed for injury or damage - for example if you dropped a piece of equipment and it damaged a vehicle, or if someone tripped over an item that you’d left lying around and injured themselves - you could face a compensation claim. Your public liability insurance could pay the legal fees and damages, up to the limit of your policy.
Along with PL insurance, there’s personal accident insurance, which can pay compensation if you’re seriously injured at work or outside of work. There’s also tools insurance, which can pay to replace your tools if they’re lost or stolen and business buildings insurance if you’ve got premises to protect.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.
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– R Matthews, Handyman
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