Liability Insurance

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The core covers which help protect small businesses

Liability insurance explained

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.

What our liability insurance covers?

Public Liability

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.

Product Liability

Covers you in the event that a product you make or supply causes damage or injury to a person or property. Product 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.

Arranging liability insurance cover

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.

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