Public and employer's liability insurance covers you if anything happens to staff or customers on your premises. Compare policy options to get protection from compensation or legal claims.
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Simply enter information about what you need covered. By providing accurate information we can help signpost the right public and employer's liability insurance for your business.
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A cheap public and employer's liability insurance deal might catch your eye however to ensure that you're best protected check the terms of the cover to ensure that it matches your business needs.
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Monthly or annual payment is an option however you can typically get a cheaper public and employer's liability insurance policy by paying up front. Once you'd decided on the supplier you want simply apply for the cover.
Public liability insurance is essential for any business, because it covers expensive claims made against you if third parties are injured by your work.
For example, if a passer-by is hurt or their property is damaged by your work tools.
You may also be legally required to get employers' liability cover if you employ:
Permanent and temporary paid staff
Contracted, casual or seasonal staff
Interns or apprentices
Work experience placements
Public liability insurance covers injury, illness and death of third parties, or damage to their property. It only covers claims where you are at fault, like not keeping your business premises tidy, which causes a customer to trip over.
Employers' liability insurance covers injury, illness and the 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 working for you.
While you can get separate cover for public and employers' liability, it is usually cheaper to get a combined policy.
The right policy for you is one that offers the cover you need at the cheapest price. Use this comparison to get as many online quotes as possible to find the best policy.
Most policies offer £10 million cover for employers' liability, but you can choose different limits of cover for public liability. Insurers offer limits 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 is best for you, use this comparison to contact an insurance broker who can help you work out what you need.
Yes, but it might be more expensive to take out separate policies. Get quotes for combined insurance and separate policies, to see which is cheapest.
You will have to pay an excess if you make a public liability claim, but not if your claim is for employers' liability.
Yes, public liability and employers' liability insurance extends 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 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: 3 March, 2022