Public and employers liability insurance are essential cover if your business comes into regular contact with members of the public or with clients.
If your business operations were to injure a member of the public or damage their property in some way, the correct policy provides cover should a claim be made against you. If one of your employees or labour-only sub-contractors was to become injured at work or as a result of working for you, they are entitled to pursue a claim against you as the employer.
Without the correct employers liability insurance in place your company could be subject to a claim going into millions of pounds and you would be liable to pay.
Important Note: Employers Liability is a legal requirement. The Health and Safety Executive has the power to prosecute your company if you have employees working for you with no employers liability insurance cover in place. This could mean fines that your company would be liable to pay of up to £2,500 per day, for every day that your employees were without cover.
For more information on the requirements from the HSE please refer to Employers’ Liability (Compulsory Insurance) Act 1969 A brief guide for employers
What does a Liability Insurance Quote Cover?
Liability insurance is critical for a wide range of businesses, whether you’re a self-employed tradesmen or a multinational brand with thousands of employees. Without a valid policy, any damages awarded against you have to be paid from your pocket – potentially amounting to tens or hundreds of thousands of pounds.
When you’re comprehensively protected from your potential mistakes (and those of your employees) with a watertight liability insurance policy, you can be secure in the knowledge that your livelihood is safe when mishaps, mistakes and mayhem affect the property and people around you.
Types of Liability Insurance
• Employers’ liability insurance: All UK businesses are required by law to have employers’ liability insurance of a minimum of £10million if you have employees working for you.
• Product liability insurance: Any business that manufactures or sells products should consider product liability cover, as it protects against any personal injury or damage to property caused by your product.
• Public liability insurance: If people have been hurt or had their property damaged because of your negligence, public liability insurance will cover you if you’re liable.
At ConstructaQuote, you’ll be able to find a wide array of trusted, flexible liability insurance policies. We feature a number of highly competitive plans from trusted national insurers, from AXA and Aviva to Covea and Arista, so you’re sure to find the solution that suits you.
Perhaps you’ve some more questions about our policies? Please see our Frequently Asked Questions (FAQs) page or get in touch with our expert team today on 08081 68 68 68. Alternatively, for a FREE quote on liability insurance, submit a quote enquiry form today!
*T's & C's apply - Copy of renewal notice/proof of price quoted required. Must have been quoted within the last 30 days. Quotes are provided on a like for like basis. Some insurers are excluded from our guarantee. Minimum premiums apply.