However careful you are, every business needs protection against accidents. At Tradesure, we provide competitive business liability insurance quotes for small and large businesses alike. 

If you have employees or come into contact with members of the public at work, there are specialised insurance products which can protect you, your staff and members of the public visiting your premises. With the right liability insurance coverage, you’re covered in the event of a claim or a lawsuit  if someone gets hurt on your premises or on the job. 


Liability cover is designed to help protect the business you run against legal costs and costs of claims for different accidents. This includes bodily injury, illness or damage to property.

Although there are many types of business insurance, the minimum legal requirement to satisfy industry regulations is employers liability insurance. This is mandatory for all companies and sole traders who employ staff, but it’s essential for small businesses. 

For those interacting with members of the public, there is public liability cover available, although not compulsory by law. Depending on the level of cover, public liability protects you from anyone making valid claims against your business.


  • Covers full time, part time and casual workers
  • Standard cover of £10 million
  • Can be combined with your public liability policy
  • Flexible payment terms


  • Covers injury or loss to members of the public resulting from your business activities
  • Covers compensation, legal expenses, repair costs & medical fees
  • Can be combined with your employer’s liability policy 
  • Flexible payment terms



  • Flexible cover – combine your employers and public liability policies together, or combine liability cover with your motor trade insurance and manage them all together
  • Personal service – as independent liability insurance brokers, we will help you set up your policy with the level of cover you need, tailored to your business. If you wish to make changes, you can speak to the same person every time.
  • Up to £10 million employers liability cover as standard
  • Flexible payment terms –  ask us about spreading the cost of your liability cover


Do I need business liability insurance?

If you employ more than one person, it’s a legal requirement for you to have employer’s liability insurance. Public liability cover isn’t a legal requirement, but it’s sensible to protect your business against potential claims from members of the public. It can easily be provided alongside employer’s liability insurance in a combined policy.

What is public liability insurance?

Public liability insurance covers your business for the cost of compensation claims, repairs, medical fees and legal expenses in the event that a member of the public is injured or suffers a loss as a result of your business activities. It can cover incidents on your own business premises, at customer’s premises, as well as other sites.

The law says that as a minimum, your employer’s liability insurance should provide cover for £5 million. Tradesure employer’s liability insurance provides cover for £10 million as standard, with higher rates of cover available.

What is employers liability insurance?

Employers’ liability insurance protects your business against compensation costs if any of your employees suffers an illness or injury as a direct result of their employment. This is especially important for anyone working in a mechanical, construction or trade environment where there is a high risk of injury.

What is combined liability insurance?

Most commonly, a business will take out a combined liability policy with both employers and public liability cover. Tradesure offer combined liability insurance with additional cover for:


  • Product liability insurance
  • Directors’ and Officers’ insurance
  • Professional indemnity insurance
  • Trustee insurance

What is product liability insurance?

Product liability cover insures you for any claims of injury or goods damage caused by products sourced through your business. This means that  if your product is faulty, you’re protected against any legal fees or lawsuit costs. 

What is professional indemnity insurance?

Professional indemnity insurance is designed to cover you for any legal expenses or compensation claims in the event your client alleges you provided them with poor services or advice that caused financial losses. 

Many roles require professional indemnity insurance in order to comply with industry regulations. These include consultants, contractors, self-employed and freelancers. Tradesure provides professional indemnity cover as part of our combined liability policy. 

What is D&O insurance?

Directors & officers insurance (D&O) is a type of cover that protects company managers and chief executive officers against any claims resulting in losses from their decisions and activities. A great part of any company’s risk management process, D&O insurance includes financial protection if a manager makes a mistake that affects the business.