Public liability insurance – what does it cover?

• Public and product liability insurance covers your legal costs in defending a claim, and any compensation or costs that may subsequently be awarded, following:
• Injury you cause to a third party during your business activities
• Damage you cause to third party property
• Personal injury or damage to property arising from any product you have supplied

What limit of public liability insurance should I choose?

Some customers will require you to have a certain amount of public liability insurance cover before entering into a contract with you. You may want to check if this is the case when choosing your limit. Limits range from £1m, £2m and £5m, with the option to increase to £10m with an excess layer policy.

We offer various types of Liability Cover for most professions including those listed below:

• Tradesman including Roofers, Scaffolders and lift engineers.
• Restaurants, including cafés and high risk eateries, such as fast food takeaways.
• Events, Exhibitions & Leisure Activities.
• Employment & Recruitment Agencies.
• Offices, including taxi offices, travel agents, and estate agents.
• Business Services, including Secretarial.
• Hairdressers and beauticians (including treatment risks).
• Retail Stores – Guest Houses and Hotels.
• Manufacturing.
• Haulage

Policy Benefits

A Packages tailored to your individual needs a Cover Available over the phone a Option to add Public & Employers Liability a Discounts for No Claims

• Option to add Contractors All Risk Cover (subject to an additional premium)
• Option to Add Tools Cover (at an additional premium)
• Payment Plan (subject to status, deposit required – terms & conditions available on request)