Liability Insurance

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Suitable liability insurance will cover the responsibilities your business faces every day in an ever-changing marketplace.

With increasingly complex and far-reaching employment law and the rise in Britain of the “compensation culture”, no business can afford to be complacent.

Although you may take every precaution, unforeseen accidents do happen and you could run the risk of being sued by customers, employees or anyone who comes into contact with your business.

Public & Products Liability Insurance

Public & Products Liability insurance covers an award given to a member of the public due to an injury or damage to the property caused by yourself, your employees, or your products. It also covers any related legal fees, costs and expenses. Without public liability insurance you are liable to pay the full amount of any claim made against you. If you are unable to pay the claim, you risk losing your business, home, and any asset you have. Public Liability Insurance is highly recommended for any business and for some specialist businesses, it is a legal requirement. Please contact us for more details.

  • Limits available to suit your requirements of £1,000,000, £2,000,000, £5,000,000 or £10,000,000 and increased limits available.
  • Premiums based on indemnity limit, estimated annual turnover and the type of activities undertaken within the business.

Employers Liability Insurance

Employers Liability Insurance covers the costs of legal fees and compensation for employees who are injured or made ill at work through the fault of the employer. Employees will normally include, in addition to those under a contract of employment, apprentices and other trainees and those hired from another employer. If you are an employer, you are required by law to hold, and display at your place of work an Employers Liability policy. Failure to meet the stipulated requirements of Employer's Liability Insurance could constitute a criminal offence.

  • Standard limit of £10,000,000 and increased limits available.
  • Extensions available for health and safety at work, retrospective cover and indemnity to other parties.
  • Premiums based on estimated annual wage roll and types of activites undertaken within the business.

This cover can only be taken in conjunction with Public Liability and not in isolation.