Business Liability Insurance

Public, Product & Employers Liability Insurance


If you trade to the public and have over one member of staff the chances are you will need to, or even be required by law, to have Public, Product and Employers liability cover.

These three core liability covers protect from fundamental public, product and employer related issues whether that be injury to a member of public whilst in store, an injury caused as a result of a product sold from your premises or any issues as a result of your employees negligence for example.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Overview of Business Liability Insurance


Public Liability

This protection covers you in case someone who works for your business injures a member of the public or their property. If the 3rd party claims against your business and are awarded damages, your Public Liability insurance would cover the costs including legal fees that may occur in defending a claim. Policy covers are available for £2m, £5m and £10m. Higher amounts are available upon request.

Employers Liability

Covers you if you employ staff in any capacity and it will include permanent and temporary staff, paid or unpaid volunteers.  As an employer you have a legal responsibility to ensure that you have provided safe and secure surroundings for your employees and visitors.  A standard policy is £10m.

Products Liability

Covers you in the event that a product you make or supply causes damage or injury to a person or property. Products liability is required if you have manufactured a product (including food and drink) or are selling a product that has been manufactured by another company if the company cannot be clearly identified. You will also be responsible for any products you change or repair, or any product that is brought into the UK from outside Europe.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

The benefits of Liability Insurance


Effective insurance cover is essential for professionals and is a legal requirement. Many clients will now ask to see details of your professionals business insurance policy as part of their standard security checks.

Having a professional business insurance cover certificate will enhance your reputation and show that you are dedicated to your profession.

A tailored business insurance policy is essential to protect you and your business so at The Insurance Octopus, we endeavour to cover most job roles from business management consultants, social workers, security guards and funeral companies with public liability and employers liability.

We will also endeavour to look at job specific policy extras to add on to ensure you are fully protected. Our cover is bespoke and because we get to know you, you only pay for the cover you will need.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

When you’re considering taking out a Public, Product or Employers liability policy, one of The Insurance Octopus specialists will discuss your business requirements with you and compare personalised quotes from a number of major insurance providers. You will get a bespoke policy that ensures you only pay for the cover you need. We can add additional policy covers, such as legal expenses and business interruption cover.

We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit. Speak to us today to get a quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm