Liability Insurance

Public and Employers Liability are two essential covers for all types of business, ensuring your business and livelihood are adequately protected against potential risk.

We have many years' experience looking after the insurance requirements of many different businesses, ranging from sole traders up to large corporations, and understand the many risks these businesses can face.

In today’s increasingly litigious society, people will not hesitate to sue and it is essential you have adequate insurance in place to mitigate the risks and protect your business.

Depending on the nature of your business, you may need Public, Employers and Product liability:

Public Liability

Whilst not a legal requirement, is vital for any business, large or small, as it protects your legal liability if a Client, Contractor or member of the public claims against your business for death, injury or damage to their property and your business is found to be at fault.

Indeed, many Contracts now stipulate that this cover must be in place as a requirement of the Conditions imposed therein.

Employers' Liability

Protects your legal liability as an Employer against injury, disease or death sustained by your staff in the course of their employment, and is a legal requirement.

Product Liability

We also recommend taking out product liability for certain Sectors, as this covers the legal liability of your business against injury or damage arising from the design or manufacture of goods made, repaired, sold or supplied by you in the course of your business.

We will be happy to discuss your requirements and advise on the level of liability you should have in place to protect your business.