At Tradesure, we provide competitive business liability insurance quotes for small and large businesses alike. However careful you are, every business needs protection against accidents. This is why liability insurance is a must for every business, and finding the best liability insurance quote is an important task.

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


Liability insurance is a type of policy designed to help protect your business against legal costs and costs of claims for different accidents.

This includes bodily injury, illness or damage to third party property. For example, if an employee gets ill or injured as a result of working for you. It could also cover you for any injury to a member of the public, or damage to their property as a result of your company’s work.

Tradesure provides different types of liability insurance policies for your company, including employers’ liability insurance and public liability insurance.

Although there are many types of liability insurance, the minimum legal requirement for any business with employees is employers’ liability insurance. This kind of liability insurance policy is mandatory for all companies and sole traders who employ one or more staff members, and is essential for small businesses.

For those interacting with members of the public, public liability cover is available. Although this isn’t compulsory by law, it is a sensible choice to protect your business. Depending on the level of cover, public liability insurance protects you from anyone making valid claims against your business.

How does liability insurance protect my business?

We often get asked what liability insurance is and how it can protect your business.

Public liability insurance will protect visitors and customers of your business should they suffer any loss or damage to personal possessions and/or bodily injury. For example, if a visitor comes to your garage to test drive a car before purchase, then slips on the floor of your garage and is injured, they could make a claim against your business. This is where public liability insurance cover could help make sure your business doesn’t suffer any financial loss.

An employers’ liability insurance policy, on the other hand, provides cover for employees who could be injured at work or whose health has deteriorated due to poor working practices.

Some accidents, injuries or losses can be serious and claims can run into the millions, so it could be very easy for any damages to put you out of business if you don’t have appropriate business liability insurance coverage in place.

What types of liability insurance are available?

The two main kinds of liability insurance provided by Tradesure are public liability and employers’ liability. You can combine these into one policy, known as combined liability cover.

Having the right liability insurance policy in place means you can give your company the legal liability coverage it needs. It can also protect you from the costs of claims from members of the public or employees who experience losses, injuries or accidents because of your company’s activities.


  • 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

How long does liability insurance last?

A liability insurance policy will give your business 12 months of coverage as standard. However, if a customer wants to make a claim against your business under your public liability insurance policy, they can do so for up to 3 years after the incident date. This claim would be handled by the insurer you took the policy out with at the time of the incident.



  • 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


1. 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.

2. 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

3. What is the best liability insurance for a small business?

The best liability insurance cover for you will be the one which provides the most suitable coverage for your individual business; this is different for different businesses. There are varying cover levels which usually range up to £10m, so whatever cover gives you piece of mind is the right cover for you. To get liability insurance for your business, whether small or large, call us today for a quote.

4. 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.

5. 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.

6. 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.