DavidM wrote:

I'm semi retired and been working part time for the last year doing
general handyman type work via a local company that handles all the
marketing, invoicing, tax, NI, PLI and general admin. Suits me that
way. Unfortunately the company is probably going to cease trading
soon, nothing ominous, has a good reputation and quite a nice niche
local market, doing the smaller jobs that the trade guys don't want.

I quite enjoy the work (mostly) and the money is handy, so am
considering going it alone. Tax and NI are ok to handle, done that
before in a previous career, I won't get anywhere near VAT
registration limits, but I've just not had to get involved with Public
Liability Insurance before, so wondering what ballpark it might be in
(eg if £200 pa I might investigate further, if £10K pa I'll just sell
all my tools on eBay and find something else to do). I'm in northern
Home Counties.

I pay ~£120/yr for £1million of cover from these:
https://www.insuredrisks.co.uk/
There were numerous limitations in the online schedule (no working over
10ft high, no heating tools allowed etc), but none of these are listed
in the paper version I subsequently got.
£250 excess iirc.

I have never once been asked by customers to see my insurance cover,
though it is always there for peace of mind.
Alan.

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