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Liability Insurance

What is public liability insurance?

Public liability insurance protects you if someone makes a claim against you because they were accidentally injured, or their property was damaged.

This type of protection will cover the cost of any legal fees, the cost of compensation claims and the cost of repairing or replacing damaged property.

It’s not a legal requirement, but it can protect your business from unforeseen costs. Customers may also ask that you have it in place as part of a business agreement.

Most public liability policies cover you whether the injury or damage happened at your premises or off-site.

Who needs public liability insurance?

Since public liability insurance protects you from third-party claims, almost every business that deals with other people needs public liability. Here are just a few occupations that need public liability, and the kind of scenarios that could come up.

Builders

In case someone trips over one of your tools and gets hurt

Hairdressers

In case you accidentally cut someone when you’re trimming their hair

Gardeners

In case you’re digging up a garden and someone trips over the hole you’ve dug

Bakers

In case you make a custom cake for a party and the guests who ate your cake get ill

Cleaners

In case a spillage leads to a stain that ruins your customer’s couch

Dog Walkers

In case a dog in your care gets injured while you’re looking after it

What is employers’ liability insurance?

Employers’ liability insurance is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business. It covers the damages, compensation costs and legal fees that a current or ex-employee is entitled to as a result of illness or injury which may have been caused while working for your business.

Employers’ liability insurance covers:

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