We offer public and employers’ 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 looks to make a claim against you. Employers’ liability is a legal requirement for businesses, even if you only employ one person.
Public Liability
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!
Employers’ Liability
If you have someone working for you, even if they’re an unpaid volunteer or temporary staff, you are legally required to have employers’ 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.
Get in touch with a member of our team who will be more than happy to explain the details of our policies, and will try to find you the right cover for your requirements. Call us on 01782 512592 or if you prefer, you’re more than welcome to visit us in branch at 1 Wharf Road, Biddulph, Stoke-on-Trent, Staffordshire, ST8 6AJ.