Liability Insurance
Protect your business with public liability, product liability, and employers' liability cover — essential for any business interacting with the public or employing staff.
Key Covers
Liability insurance protects your business from the financial consequences of claims made by third parties, employees, and customers.
Public Liability
Covers compensation and legal costs if a member of the public is injured or their property is damaged as a result of your business activities.
Product Liability
Protects against claims arising from products you manufacture, supply, or sell that cause injury or damage to a third party.
Employers' Liability
A legal requirement for most businesses with employees, covering claims from staff who suffer illness or injury in connection with their work.
What's Included
Every liability claim has the potential to cause serious financial harm. Our policies are designed to protect your business at every stage.
Legal Costs
Covers solicitors' fees, barristers' fees, court costs, and expert witness expenses incurred in defending liability claims brought against your business.
Compensation Awards
Pays damages and settlements awarded to claimants, protecting your business from potentially crippling financial exposure.
Defence Costs
Funds your legal defence from the moment a claim is made, including investigation costs and representation at inquests and tribunals.
Frequently asked questions
Is employers' liability insurance a legal requirement?
Yes. Under the Employers' Liability (Compulsory Insurance) Act 1969, most businesses with employees must hold at least £5 million of employers' liability cover. Failure to do so can result in fines of up to £2,500 per day. The certificate must be displayed where employees can see it.
What minimum level of public liability cover do I need?
There is no legal minimum for public liability, but the appropriate level depends on your trade and contractual obligations. Most small businesses opt for £1 million to £2 million, while contractors working on larger projects may need £5 million or £10 million to satisfy client requirements.
Can I combine public, product, and employers' liability in one policy?
Yes. A combined liability policy brings all three covers together under a single policy with one renewal date and one premium, which is simpler to administer and often more cost-effective than purchasing each cover separately.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.