Business Liability Insurance

Public Liability Insurance

Public liability insurance is meant to provide a cover against claims of compensation in case of accidental injury or damage. It covers against claims by client, contractor, and public. The insurance will cover accidental injury inside business premises as well as outside workplace but it has to be relevant to work.

Public liability insurance will help provide a cover against claims arising from public, cover expenses when a client visits your home or office, or employee visits a client’s office.

Employer’s Liability Insurance

As an employer, you will have to make sure that you are arranging for health and safety of your employees. However, you will have this responsibility only when employees are at work. Employees can claim compensation in case they slip from wet floor or tip from a computer cable. In order to protect yourself as an employer against physical and mental health and safety claims from employees, you’ll require Employer’s Liability Insurance.

You will be required to have a minimum of £5 million in employer’s liability cover to hire staff in the UK.