Business Liability Insurance
Public Liability Insurance
Being a business owner or employer, it is your legal responsibility towards your customers, employees and the general public. You could be held legally liable and risk being sued if a member of the public or an employee suffers an injury as a result of your breach of duty or negligence.
Liability Insurance is formulated to pay any compensation and legal costs that might happen if a worker is deemed to be at fault. If you employ just a single member of staff it is very likely that you will need to have Employers Liability compulsory Insurance.
Public Liability Insurance
What does it cover?
Public Liability covers any damages and costs awarded to someone following an injury or damage to their property or belongings caused by you or your staff. It also insures against any expenses, costs and related legal fees together with charges for hospital treatment ( including ambulance costs) that the NHS could claim from you.
Charges vary depending on your line of business, the turnover of the business and how many staff you employ.
Public Liability insurance can be a complex product and possible clients should give careful consideration to all of the policy documents to ensure that the product is right for the business.
One simple way of achieving this outcome is to talk to us here at The Insurance Centre Limited who can guide you through the complex waters and even visit you at your convenience to go right through the quotation, terms and cover
Please call us on 01603 400755 or get in touch and we will be happy to help
What our Customers say
“I approached Philip Beckett from The Insurance Centre in Norwich having spoken in the past about our commercial and employer’s liability insurance.
Having used our previous insurance company for 13 years we were somewhat nervous about changing insurers. Philip attended our business in person to discuss our needs and we reviewed our existing policy together. I was very impressed by the time Philip took to ensure our policy was both suitable and cost effective.
Not only did we increase our insurance value and added additional policies, but we also saved a considerable amount of money. I would have no hesitation in recommending Philip and The Insurance Centre.“
Mark Wood – Castle Promotions Ltd
“This time of year marks the anniversary of me setting up Saffire Chocolates and therefore, the annual renewal of my business insurance along with public and employee liability insurance. I asked Philip to provide me with a quotation, again he way very competitive and produced like-for-like cover for 20% less than I paid last year.
I have no hesitation in recommending Philip of The Insurance Centre in Norwich”
Angela Ruthven – Saffire Handmade Chocolates
Employers Liability Insurance
Employers Liability is a compulsory Insurance which forces employers in the UK to provide insurance against their liability to their staff for harm or illness sustained whilst in the course of their employment in the United Kingdom. Employers Liability insurance offers greater security to firms against penalties and legal costs which could result in financial difficulty, and to employees that resources will be on hand as compensation even where companies are no longer operating.
Sub Contractor v Bona Fide Subcontractor
We have included a list, for guidance purposes. If you can answer yes to most or all of the questions, it is very likely they can be classified as a Bona Fide Subcontractor.
- Provide own materials and equipment.
- They have the authority to employ others.
- Paid by contract and not an ongoing hourly or daily rate.
- Have own insurances to protect themselves.
- They decide how the work is completed.
If there is any doubt, please speak to one of our insurance advisors. We can liaise with the insurer for you to ensure that you have the correct cover in place should the worst ever happen.
Please call us on 01603 400755 or get in touch and we will be happy to help
Product Liability Insurance
Product Liability is very probably the least well known of the liability insurances. In a nutshell ‘Product Liability Insurance’ provides protection to manufacturers, suppliers, retailers, distributors, retailers, and others who make products available to the public who are held responsible for any loss those products caused.