Is employers liability the same as public liability insurance?
Liability insurance cover can be complex and very difficult to understand. There are various types of liability insurance available to businesses and it is evident that many businesses are not clear about the differences.
Many have questioned whether employers’ liability insurance is the same as public liability insurance. Here we can confirm that it is not. The cover is similar, however there are some distinct differences that must be understood.
• Employers’ liability protects your business from claims made by an employee.
• Public liability provides protection when members of the public make a claim.
Employers’ liability insurance is a policy designed to protect your business from any claims made by a present or a past employee who has suffered an injury, illness or death as a direct result of your operations. Employers’ liability insurance is a legal requirement if you have any employees working for you and can only be purchased alongside public liability insurance. Find out exactly what is covered by an employers’ liability insurance policy here.
Public liability insurance will protect your business against any claims made by a member of the public that has been victim to an illness, injury or damage to their property as a direct result of your business operations. See exactly what a public liability insurance policy covers here.
Product liability insurance will cover anything physical that your business sells or gives away. Products liability insurance will cover claims made by someone that has suffered an injury or damaged property as a direct result of your product. This can be added to your comprehensive liability insurance package when requested.
Now you understand the differences between employers’ liability insurance and public liability insurance you should be fully prepared to protect your business with the right insurance cover.
Cover your business with employer’s liability insurance or a public liability insurance quote now.
