If you run a business, whether you are a sole trader or a larger company you incur risks which can result in a claim being brought against you either by an employee, a customer or a member of the public.

Insurance is available and in some cases is compulsory, to protect you and your business against such claims. Briefly, these can be outlined as follows:

Employers Liability

Employers Liability cover protects you against legal liability incurred for injury or industrial disease suffered by an employee arising in the course of your business.
The Employers Liability Compulsory Insurance Act 1969 make it compulsory for any business having employees to arrange this insurance.
The law is a complex issue in this case and makes you responsible for an employees welfare regardless of how they are paid.
This means that even if someone is working for you on a self-employed basis, you may be liable for any injury they suffer.

The standard Limit of Indemnity for Employers Liability Cover is £10,000,000.

Public Liability

Public Liability cover protects you and your business against legal liability incurred for injury or damage caused to third parties and their property arising in the course of your business activities.

Limits of Indemnity start at £1,000,000 although often cover is required far in excess of this amount dependent on your business activities.

Products Liability

Products Liability cover is closely linked to public liability. It provides cover for legal liability incurred for injury or damage caused to third parties or their property by products your business sells or supplies.

Again, limits of Indemnity start a £1,000,000.

As an extension to this cover, you may require Product Gaurrantee covers, or cover for Product Recall.

We are able to provide tailor-made products, from Public Liability cover for tradesmen based on the number of manual workers engaged, through to Corporate clients where premiums are based on wageroll and turnover estimates.