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.

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.

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.

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