Public and employers’ liability insurance covers you if anything happens to staff or customers on your premises. Compare policies to protect yourself from compensation or legal claims.
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Simply enter information about what you need covered. By providing accurate details, we can help signpost the right public and employers’ liability insurance for your business.
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A cheap insurance deal might catch your eye, but check the terms of the cover to ensure that it matches your business needs and that you’re properly protected.
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You usually have the choice of making monthly or annual payments, but policies tend to be cheaper if you pay up front. Once you’ve decided on the supplier, just apply for the cover.
Public liability insurance is essential for any business because it covers expensive claims made against you if injure a third party or damage others’ property during your work.
You may also be legally required to get employers’ liability cover if you have:
permanent or temporary paid staff
contracted, casual or seasonal staff
interns or apprentices
people on work experience placements
While you can get separate cover for public and employers’ liability, it is usually cheaper to get a combined policy. This is how the two types of cover work:
Public liability: covers the injury, illness or death of third parties or damage to their property. It only covers claims where you are at fault
Employers’ liability: covers injury, illness or death of your employees while they are at work. You are legally required to have at least £5 million worth of cover if you have paid or voluntary staff
Use this comparison to get as many online quotes as possible to find the best policy. The right one for you is one that offers the cover you need at the cheapest price.
Most policies offer £10 million of cover for employers’ liability, but you can choose different limits for public liability – between £1 million and £5 million. What you need depends on how high-risk your business activities are.
If you are unsure what level of cover you need, use this comparison to contact an insurance broker who can help you determine the right amount.
Yes, but it might be more expensive. Get quotes for both combined and separate policies to see which is cheaper.
It depends. You must pay an excess if you make a public liability claim, but not if your claim is for employers’ liability.
Yes, public and employers’ liability insurance both extend to cover business activities off site.
Yes, it covers temporary and seasonal staff, and full-time and part-time workers. It also covers volunteers, interns and people on work-experience placements.
By getting business insurance you could save money on the policy. The best value business insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.
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Last updated: 27 May 2022