Commercial Cover

Liability Insurance

Public and employers' liability cover, protecting your business if a member of the public is injured, property is damaged, or an employee is hurt as a result of your work.

What's Covered

  • Employers' liability — a legal requirement if you have staff
  • Public liability for injury or damage caused by your business
  • Legal defence costs included
  • Cover levels built around the size and nature of your business
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FAQ: Liability Insurance

Do I legally need employers' liability insurance?

If you employ anyone, even part-time or casual staff, employers' liability insurance is a legal requirement in the UK — we'll make sure you're properly covered.

What's the difference between public and employers' liability?

Employers' liability covers claims from your own staff; public liability covers claims from members of the public or other businesses. Most businesses need both.

How much cover do I need?

It depends on your industry, contracts and clients — some contracts specify a minimum level of cover. We'll help you work out what's right, not just the legal minimum.

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