Public liability insurance

Yes

Public liability insurance premiums are fully deductible as a business expense for sole traders. This is one of the clearest costs you can claim in the trades. HMRC has no ambiguity here.

Common questions

Can I claim public liability insurance as a plumber/electrician/builder?

Yes, in full. Trade insurance is a wholly business expense.

Watch out for

Combined policies that include personal cover (e.g. personal accident) should have only the business portion claimed if a split is identifiable.

HMRC sources

https://www.gov.uk/expenses-if-youre-self-employed

Last verified: July 2026 · Tax year 2026/27

Related expenses

Professional indemnity insurance Accountancy and bookkeeping fees

Track professional costs in TrameStart free

This guidance is for general information only. Tax rules change. Verify with HMRC or a qualified accountant before filing.

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