Public liability covers you against claims made by the public or other businesses against you for example if you injure a person or damage property in the course of your work. Holding valid public liability insurance is often a requirement of working or subcontracting to another company. The limits are between £1 million and £5 million and the premiums are based on turnover and number of employees.
If your business employs any staff, including part-time staff, trainees or sub-contractors you are required to have this cover by law. Employers liability is usually set at £10 million as standard. This will cover you if one of your employees is injured at work or they or a former employee becomes ill as a result of their work while in your employment.
This is usually combined with other covers such as public liability or as part of a combined policy.
We can arrange cover for a wide range of trades so please contact us with your requirements. We have access to a wide range of insurers so we can select the scheme which is most suitable for your business.