Liability Insurance

Commercial Insurance

Liability Insurance

If you run a business, whether as a sole trader or larger company, you incur risks that could result in a claim being brought against you, either by an employee, customer or member of the public.

Liability insurance is available, protecting you and your business against such claims, and we are able to provide bespoke cover, tailor-made to your requirements.

Employer’s Liability is compulsory for any business with employees. Basically, it protects you against legal liability for injury or industrial disease suffered by an employee in the course of your business. Regardless of how an employee is paid, you are responsible for their welfare, which means even if someone is working for you on a self-employed basis, you may be liable for any injury they suffer. Standard limit for this cover is £10m.

Public Liability protects you and your business against injury or damage sustained by a third-party or their property arising during the course of your business activities. Limits of indemnity start at £1m although cover is often required in excess of this amount, depending on your business activities.

Products Liability cover is closely linked to public liability, and protects you against legal liability for injury or damage sustained by third-parties or their properties caused by products that your business sells or supplies. Limits of indemnity start at £1m, and you may take out Product Guarantee or Product Recall cover as an extension to this cover.

Our

Services

General Business

Whether you require Buildings Insurance, Contents Insurance or both, we can take care of your requirements.

Professional Indemnity

We provide professional indemnity insurance to a wide range of professions, including architects, and engineers.

Engineering Insurance

Many potential risks can affect engineering companies, including injury to an employee or member of the public.

Medical Insurance

We have the experience to arrange a Private Medical Insurance scheme for your company.

Motor Fleet

We have experience arranging insurance cover for all types of fleet, ranging from a small number of vehicles up to hundreds.

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Claims Support

We will act on your behalf, to manage your claim from initial notification to settlement. We will also make sure you are kept up to date throughout the entire process.