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As a business owner or employer, you have a legal responsibility towards your employees, customers and public. If members of the public visit your premises or you go to theirs, you should consider Public Liability Insurance (PLI).
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Employers Liability Insurance | If one of your employees sustains an injury from falling debris, this insurance is there to cover their claim. |
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Property Insurance | Cover for property for insured events such as fire, lightning, flood, or loss. |
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Directors & Officers Liability Insurance | To cover legal defence costs and compensation awards, if you are personally sued as a result of company business. |
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Motor Insurance | If your business owns a car and uses it for commercial purposes, you'll need Commercial Car Insurance. |
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Professional Indemnity | Protect your business against claims by a client for loss or damage if you are negligent or make a mistake. |
If a member of the public is injured on your property you may be held responsible. Policies are generally tailored to an individual business and rated on an estimate for the business activities.
What's Your Business?
Which Insurance?
Public Liability Insurance
Do I need Public Liability Insurance?
As a business owner or employer, you have a legal responsibility towards your employees, customers and public. If members of the public visit your premises or you go to theirs, you should consider Public Liability Insurance (PLI). Some customers or clients may ask for proof of adequate PLI before they will work with you.
What is Public Liability Insurance?
If a member of the public is injured on your property you may be held responsible. Public liability insurance is designed to cover any awards of damages given to a member of the public who has suffered injury or property damage caused by your or your business, and to pay legal costs in defending the claim, and the legal costs of the claimants if you are found to be at fault.
How much does it cost?
Policies are generally tailored to an individual business and rated on an estimate for the business activities. For many businesses this will be the turnover, although other factors may be considered, such as your claims history and approach to risk management.
What other insurances should I consider?