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Liability Insurance

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About Our Public Liability Insurance

Public liability insurance is an essential cover that protects your business against any claims made against it. It covers the legal costs of the claim in most circumstances involving death, injury or damage. Public liability insurance will cover you when you work off-site or on your premises. If your business is found to be at fault, public liability protection will cover your legal and court costs.

What does Public Liability Insurance cover?

  • Compensation Claims: Injuries to the third party or damage to their property is covered regardless of where they occur.
  • Cost of Repairs: Public Liability will cover any damages that you may accidentally cause in the line of your work.
  • Medical Fees: Public Liability insurance will cover the medical expenses of anyone injured by your business.
  • Legal Expenses: Your policy will cover any legal fees incurred from a claim.

Is Public Liability Insurance essential?

While not a legal requirement, Public Liability insurance is highly recommended to protect your business against any unforeseen accidents and circumstances. In fact, without this type of insurance cover, you may struggle to attain clients as some companies will only work with other companies that have Public Liability insurance to assure that all parties are covered in the event of an unforeseen incident.

Employers Liability Insurance

Unlike Public Liability insurance, Employers Liability insurance is most certainly a legal requirement for every employer in the UK. This insurance covers you and your business for any costs that you may incur by way of compensation to your employees if they become ill or incapacitated. Suppose your company is caught without Employers Liability cover. In that case, you can be fined up to £2,500 each day. While there are some specific exemptions, such as unincorporated family businesses, most businesses fall well within the scope for the requirement of Employers Liability insurance.

Employers Liability Insurance

  • Legal Costs: Covers any legal costs from claims made by employees
  • Compensations: In the event of a lost claim, the cover will cover the compensation due
  • Medical Bills: This will cover the cost of any medical bills for employees that are ill or injured
  • Lost Income: This covers the income of those employees that are unable to work due to illness or injury

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