Liability Insurance

In today’s litigious society, running a successful business brings a range of risks – and this is where Liability Insurance comes into play.

• Employers’ Liability Insurance – you’re covered for compensation claims made by past and present employees
• Public Liability Insurance – for claims made by anyone outside your company, from customers and suppliers to visitors and passers-by
• Products Liability Insurance – your cover can also include your legal responsibility to ensure a product you design, manufacture or sell doesn’t injure someone or damage their property
• Airside Liability Insurance – if your business works at an airport, you may need a much higher level of liability cover
• Specialist Liability Insurance – for high-risk occupations like roofing, scaffolding and recycling, and for companies in sectors ranging from security and cleaning to recruitment and medical device production

Why you should consider Liability Insurance

• Current Health & Safety legislation makes Employers’ Liability Insurance compulsory for most companies. Fines for failing to comply with the law can be as much as £2,500 a day.
• Public Liability Insurance may also be compulsory for some professions, and it’s often a contractual requirement – so not having it can put you at a commercial disadvantage.
• As well as covering the legal costs involved in defending a claim plus the compensation awarded to the claimant, Public Liability Insurance includes any costs the NHS might claim for ambulance call outs and hospital treatment.
• It’s reassuring to know that an insurer will fight your corner if you’re not liable – and that your legal costs are covered even if the claim against you is found to be false.
• Arranging Liability Insurance can be a minefield. To ensure you have adequate cover, we’ll help you establish who’s considered to be an employee in the eyes of the law, how much your cover limit should be, and how to deal with complex issues such as US exports.