We offer public, employer’s and product liability insurance, whether it’s an individual policy or as part of a commercial combined policy. Public liability cover isn’t required by law but can save you a small fortune in the event that someone tries to claim against you. Employer’s liability is a legal requirement for businesses, even if you only employ one person.
Public Liability Insurance
Public liability insurance covers you if a member of the public claims that they have suffered an injury or loss as a result of one of your employees or your business. Unfortunately, in today’s ‘blame and claim’ culture claims like these can quickly run into thousands of pounds. For example, if someone slipped on a wet surface at your premises then it’s likely they will want to be reimbursed for time off work, medical bills, solicitor’s fees, court fees – the list goes on!
Employer’s Liability Insurance
If you have someone working for you, even if they’re an unpaid volunteer or temporary staff, you are legally required to have employer’s liability insurance. This is a legal requirement because you as a business are responsible for the health and safety of your employees while they’re at work, or on work business. If they received an injury at work or became ill as a result of their working conditions, they can make a claim against you for compensation.
Product Liability Insurance
If you’re supplying products to the public, then it’s your responsibility to make sure they’re safe. If you fail to do so, it’s likely that you could face legal action from anyone that has been injured by your goods or had damage caused to their property. Our product liability insurance will help fund court fees, compensation and most other costs associated with a claim of negligence.
So if you’re looking for a single liability policy such as public liability or a policy containing all three types of liabilities, get in touch with our knowledgeable and experienced team today. Call us on 01332 988522 or visit us in branch at 36 Stenson Road, Derby, DE23 1JB.