Public Liability Insurance isn’t required by law, but it’s essential for many builders. This protects third parties against injuries, death and accidental damage to third-party equipment as a result of your work.

This type of insurance covers any legal costs or compensation that could be payable if your builder’s work damages somebody’s property, injures somebody or worse, kills them.

A visitor, for example, might trip over tools that have been left in your hallway. Or a ladder could fall and smash your neighbour’s window.

Public liability insurance isn’t a legal requirement, so if your builder doesn’t have it, you might want to consider arranging it yourself. In a worst-case scenario, if something goes wrong and your builder isn’t covered, you could be taken to court.