Liability insurance protects you from being sued by third parties for negligence .. without it the costs are all yours, meaning you could lose your house or face bankruptcy.
Some forms of Liability Insurance are compulsory in the UK, notably Third Party Motor Insurance and Employers Liability Insurance.
Through us you can arrange three types of liability insurance:
Employers Liability Insurance
If you employ people, employers' liability compulsory insurance (ELCI) covers you for the costs compensation and legal fees if employees are injured or made ill at work, whether it's your fault or that of another employee.
Public Liability Insurance
If members of the public or customers come to your premises or you go to theirs or you do any form of work away from your own premises, public liability insurance is probably right for you.
It covers damages awarded to anyone who isn't an employee for personal injury or damage to their property caused by you or your business. It also covers any related legal fees, costs and expenses incurred as a result.
Product Liability Insurance
This provides cover for you against any claims from people for personal injury or damage to their property caused by any product you have sold, manufactured or converted and that has left your premises. Related legal fees, costs and expenses are also covered
Liability insurance might be included in package insurance
You may not need to buy liability insurance separately. For instance, if you are a hairdresser, our insurance package for you includes liability insurance. Check the links in the footer below or in the drop-down menu (above) to see if we offer a package for your business, or just get in touch.
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If you prefer, use the enquiry form on this page and we'll call you back at your convenience (be sure to leave a number we can contact you on).