Litigation against individuals and companies is on the rise, and it is crucial that you ensure you are protected against claims from injuries to your employees and members of the public, as well as damage to third party properties where negligence against you is proven. Therefore, you should consider public and employers’ liability cover.
We are able to arrange ‘stand-alone’ liability cover as a separate policy or as part of a package included with other covers under one policy.
Employers’ Liability Insurance is a legal requirement for all individuals or businesses that employ staff under UK law. This insurance covers the costs of damages and legal fees incurred by you or your business in the event that an employee is injured or suffers illness at work through the fault of the employer. If they received an injury at work or became ill as a result of their working conditions, they can make a claim against you for compensation.
Public Liability Insurance protects you against personal injury sustained by any member of the public or damage to any third party property caused by you or your business. Unfortunately, in today’s ‘blame and claim’ culture, claims like these can quickly run into thousands of pounds. For example, if someone slipped on a wet surface at your premises then it’s likely they will want to be reimbursed for time off work, medical bills, solicitor’s fees, court fees – the list goes on!
Products Liability Insurance protects you against personal injury sustained by any member of the public or damage to any third party property caused by your product.
If you would like to get in touch with us about liability cover, don’t hesitate to speak to a member of our friendly team. You can fill in our quote form and we’ll get in touch with you as soon as possible or call us on 01457 601126