Protect your business from claims made against you

However careful you are, accidents can happen – and every business needs protection.

Our liability insurance can cover your employees and members of the public, so you have peace of mind that if someone gets hurt on your premises or on the job, you’re covered in the event of a claim.

EMPLOYER’S LIABILITY INSURANCE

  • Covers full time, part time and casual workers
  • Standard cover of £10 million
  • Can be combined with public liability insurance

PUBLIC LIABILITY INSURANCE

  • 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 employer’s liability insurance

FREQUENTLY ASKED QUESTIONS

Do I need liability insurance?

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

What is employer’s liability insurance?

Employers’ liability insurance is designed to protect your business against compensation costs should any of your employees suffer 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 an especially high risk of injury.

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 public liability insurance?

Public liability insurance covers your business for the cost of compensation claims, legal expenses, cost of repairs, and medical fees, 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 business premises, at a customer’s premises. or elsewhere.

What is combined liability insurance?

Commonly a business will take out both public liability insurance and employer’s liability insurance together – this is known as a combined liability policy. Tradesure offer combined liability insurance with additional cover for:

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