Liability Insurance

Public liability

Public liability insurance is essential cover, especially if your business comes into regular contact with members of the public or clients. If your business operations were to injure a member of the public or damage their property in some way, the correct policy will provide cover in the event of a claim being made against you.

Employers liability

You are legally obliged to have employers’ liability insurance if you have employees working for you. Every business in the UK that employs staff, regardless of size or turnover, is required to have at least £5 million of cover. Your business could be subjected to massive fines if it is discovered that there are employees working for you without the correct cover in place.

Product Liability

Product Liability Insurance can be easily included with most policies, often at no extra cost.  This will protect you against damages awarded as a result of personal injury or damage to property caused by your product.  Any business that manufactures or sells products should consider this as essential cover. *Product cover cannot be included to policies purchased with Ageas.

What will it cover?

Example: Painter and decorator - You and your employee are painting a room for a customer.

Case 1: Your employee drops a tin of paint onto the customers’ carpet.  This will cover the cost of replacing the carpet should a claim be made.

Case 2: You drop a tin of paint, it hits your employees’ leg, and as a result he/she suffers an injury. This type of policy will cover the cost of compensation if the employee pursued a claim against you.