Business liability Insurance

If you are trading in the UK then it is important to have business liability insurance to protect yourself and your company against any liability claims made against you. Generally speaking you will need to decide on public and employers liability depending on your circumstances and staffing. Public liability is not a legal requirements but if you have any employees then by law you must have employers liability.

You may be wondering what business liability insurance can actually cover you for. If you had public liability then the following are some examples of when it could come into effect:

Builder - Whilst carrying your tools and equipment into a property you accidentally damage an item. You may be held liable for the property damage you caused.
Accountant - Whilst visiting a client you leave your briefcase on the floor which they trip over and injure themselves. You may be held liable for the resulting injury.

If you opt for employers liability then the following are some examples which show when it could come into effect:

Painter - Whilst climbing up a ladder an employee falls and injures themselves and holds you liable for their injury.
Builder - Whilst working on a job an employee injures themselves using a tool you supplied and holds you liable.

Whilst we do provide online quotes for business liability insurance we do recommend that you contact us before commencing cover if you are unsure if the policy meets your exact requirements. We have trained staff who will be able to discuss your requirements and advise on any terms which may have an impact on your work or insurance. For example if you were a builder then you may require a policy which covers you up to a high height so we can find the right policy for you and advise on it.