Though public-liability insurance is not legally required for sole trading, it is advised to cover business against any liability claims for injuring the public which is caused by your business or your negligence.
The need of public-liability insurance policy for sole trading is increasing, because it involves a lot of work where there is a contact with public. Cost of the public liability insurance is low, when you compare the risk of the sole trading without having public-liability insurance.
You can search for reputable insurance company through online forums which can help you to provide information about insurers. It is the responsibility of the sole trader to handle the day to day business transactions and legal problems which may arise from interacting with clients or people. So choosing the public-liability insurance can protect the business owner, employees, business as well. It is important to choose the insurance company which can tailor any insurance policy to your circumstances to keep it as beneficial for you. When you choose for insurance company, you can look for other services, which are provided by insurance companies along with public liability-insurance policy. Sole trader can choose the public-liability insurance services, which include, handling of financial services, medical legalities and legal matters. You can find these services in different insurance companies.
The services of public-liability insurances can change from one insurance company to another. It is beneficial to sole trader, as he can choose public-liability insurance policies which are ideal for situations of business.
So in this way public-liability insurance is necessary to sole trader in order to handle the business and legal problems of the business.