Liability Insurance Frequently Asked Questions

Why do I need to have Public Liability Insurance?
As an employer in the construction industry it’s essential to have sufficient Public Liability Insurance cover to protect yourself and your business against claims of negligence resulting in injury to a member of public or damage to property.  Failure to do so could result in a legal claim being brought against you and your business for damages in the event of a claim.

What is Public Liability?
Public Liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by any other person, other than employees, or loss of or damage to their property caused by the contractor.

What is the Limit of Indemnity for Public / Products Liability?
The limits are usually £1,000,000, £2,000,000 or £5,000,000, however this can go up to £10,000,000 and beyond if required.  

What is Employers Liability Insurance?
Employers Liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by any employee in the course of their employment.

How do I know if I need Employers Liability Insurance?
Every business employing staff is required by law to take out Employers Liability cover. This includes sub-contractors, temporary workers, and trainees.  Employers Liability cover is mandatory if you are a limited company although if you are a sole director with no employees then cover is not required, however it is strongly recommended.

What is the Limit of Indemnity for Employers Liability?
The minimum level required by law is £5 million.  However, for added peace of mind all of the policies we supply contain a minimum of £10 million worth of cover, with ability to increase this limit if required.