We provide instant access to great deals for liability insurance , including public liability and employers liability for a wide range of trades and businesses.
Our on-line quote service provides you with immediate access to low cost liability insurance from some of the country’s leading insurance companies, many, owing to our expertise in this area, at lower premiums than available elsewhere. With our own unique underwriting facilities for general liability insurance we are able to respond to requests for quotes for unusual and irregular occupations and activities that you will not be able to easily find cover for elsewhere.
What is liability insurance?
The term liability insurance covers a range of different products that provide protection for the policyholder in respect of claims made against them in respect of their legal liability. The type of liability insurance policy or policies that you require will depend upon the nature of the work you are engaged in and your exposure to the risk of legal action being taken against you. The main classses of liability insurance cover are;
Public Liability Insurance
This protects the policyholder against claims made against them by third parties, the public at large, in respect of their legal liability for personal injury or property damage arising during the course of the business.
Product Liability Insurance
This protects the policyholder in respect of claims made against them in respect of their legal liability for personal injury or property damage arising from the sale or supply of a product.
Employers Liability Insurance
The employers liability policy is a legal requirement for most employers in the UK and protects the policyholder in respect of claims made against them by employees in respect of the policyholder’s legal liability for death , disease or injury suffered during the course of an employees’s employment.
Professional Indemnity Insurance
The professional indemnity insurance policy protects the policyholder against claims made agianst them in respect of their legal liability for loss arising from a breach of professional duty.
What sort sort of liability insurance do I need?
This is a common question for many businesses and in order to provide a definitive answer it is best that you consult one of our professional liability insurance brokers in the Sandbach office.
However in broad terms you can make an assessment of your own requirements by reviewing the type of activities you undertake and making an assessment of the types of claim you may possible face if things go wrong. Examples of this would be ; a shop needs to public liability and product liability along with employers liability if they have any employees. The public liability protects them in respect of their legal liability for the day to day operations of the business for example a customer tripping or slipping in the shop, the protect liability protects them in respect of the sale and supply of the goods in the shop and the employers liability steps in if an employee sustains an injury at work.
An accountant or similar professional will need public liability insurance and employers liability for much the same reasons a the shopkeeper but will also need professional indemnity insurance to protect them in respect of any claims in respect of professional negligence.
With our vast experience in the liability insurance market one of our team is sure to be able to help you with your liability insurance requirements and assist you in arranging the cover you need at a very competitive price. You can call in any time to speak to a specialist broker or call us to make an appointment to discuss your liability insurance requirements. find us here