Public Liability Insurance for UK Businesses
Public liability insurance will be suitable for you if you run your own business and it is likely that you will come into contact with members of the public.
Contracting trades such as plumbers, carpet fitters, builders, and others; retailers or service providers such as fitness instructors or beauticians should consider public liability insurance against claims of negligence or accidental damage caused by them or their employees.
Cover My Business can provide an individual insurance quote for over a 100 different trades and services that will suit you and your budget providing the right cover requirements.
You also have the option to extend your public liability policy to cover any potential liability to your employees.
Employers’ Liability Insurance
Please note: If you have employees, you are required to have Employers
Liability in addition to Public Liability.
Employers are required by law to insure against liability arising from injury or disease caused to their employees as a result of their employment.
Employers are legally responsible for the health and safety of their employees. If an employee is involved in an accident at work, whether on or off the premises, they may seek damages against their employer and as such the employer is required to have sufficient Employers’ Liability insurance cover to pay out any compensation that may be due.
Employers’ liability insurance can be arranged very easily. Premiums may be based on the number of employees; and the nature, type of work.
As an employer you will need to be certain you have adequate cover. We can give you advice and guidance on this.
Employers’ liability cover, where required, is available as an extension to your Public Liability Insurance cover. We regret we cannot offer it as a stand-alone insurance.
Please contact us for further information on 03450 940 505