Who needs Liability Insurance?

You do! Employers Liability insurance UK is compulsory by law in most cases and Public & Products Liability insurance provides vital protection for you and your business.

What is Employers Liability Insurance?

Employers Liability Insurance UK protects you, the employer, against your liability at law to pay damages to an employee who is killed, injured or contracts an illness or disease, whilst working with your business. Apart from those people under employment or apprenticeship contracts with you, there are others who are deemed to be employees under your policy. These include the self-employed, labour only subcontractors, a person hired to or borrowed by you and even people working with you under a work experience scheme.

Limits of Indemnity
Employer's Liability £10,000,000. Higher limits can be quoted if required.
Public/Products Liability £1,000,000 should be considered the minimum. Limits over this amount can be quoted in multiples of £1,000,000.

What is Public/Products Liability Insurance?

This cover protects you against liability at law to pay damages to those who are accidentally killed or injured (excluding employees) or whose property is accidentally damaged as a result of your business activities.

How can a Public/Products Liability claim arise?

Customers may slip on a greasy floor or be struck by falling masonry while visiting your premises, water may overflow and damage property below or fire may spread to surrounding properties. If your business involves work away from your own premises the risk can be even greater. A spark from burning operations may result in extensive fire damage, a passer-by may be injured by insecure scaffolding or property in a customer's house may be damaged by a careless employee. Customers may be injured or their property damaged because of faulty products you supply.

And The Cost?

Your premium will reflect the hazards involved in your business, the work you do, the products you supply, the nature of your premises as well as the size of your business and the limit of indemnity you require. We will also take into account particular features of your activities. Once all of the required information is to hand we will forward our presentation to the most appropriate insurers and obtain the best terms possible for your individual needs.

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