Professional Indemnity
- Protects your business against claims of negligence and breach of duty, care or confidentiality, by a client or 3rd party
- Compliments public liability to cover all possible claims
- Covers legal costs
Product & Public Liability
- Insurance for many types of business
- Standard cover £2 million with option to increase
- Covers third party property damage
- Cover for third party physical injury or death
- Covers legal fees and any other expenses that result from defending a claim
Employers' Liability
- Cover up to £10 million
- Damage to employee property
- Employee physical injury and illness
- We can also help you with property owner's liability
What Next?
We'll search our panel of insurers so you don't have to. Whether you own an office, corner shop, takeaway, restaurant, guesthouse or B&B we'll be happy to provide a quotation.
For more information or for a Business Insurance quote call 0870 1217 590
Or complete our enquiry form and we'll call you back to provide a quote.
Confused about employers' liability, public liability & product liability?
Employers' liability insurance provides cover against claims by employees who have suffered an injury, illness or death in the course of their employment whether they are on or off site. For example if an employee falls off a ladder due to incorrect health and safety training. Employees will try and claim compensation if they feel this is the case. Employers' liability insurance will ensure you can meet these claims that you are legally liable to pay. By law, an employer must be insured for at least £5,000,000. However, you should think carefully about the risks and liabilities and whether you need more cover.
Public liability insurance doesn't cover you for claims by employees, but those made by members of the public or other businesses for injury or damage to property. So, you could be held responsible for a customer who slips over whilst in your property. Claims can be made as a result of an incident on and off the place of business.
Product liability insurance covers you against personal injury to third parties that a product you supply may cause or as a result of damage to property. It is your responsibility to ensure your products are fit for purpose and even if you did not manufacture the product you may still be liable.
And why would I need professional indemnity?
If you are in the service sector or sell your skills in some way you should consider Professional Indemnity insurance. This will provide cover should a client claim for mistakes or some kind of negligence in the service you have provided. One important thing to bear in mind is that this kind of insurance tends to be on a claims-made basis so you are only covered for claims made whilst the policy is live.