Liability Insurance

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Liability insurance is an essential cover for most businesses in the UK. It protects from claims made to employers by an employee as well as third parties. 

Liability Insurance covers a wide range of costs and compensations. This includes fees from personal injuries, loss of or damage to property and illness. These claims can be made by employees or anyone outside of the business who suffered an incident in relation to a business activity.

Most businesses are legally required to take employers’ liability insurance. If you are a business owner who does not carry one, you may face fines. Meanwhile, public liability insurance is not a legal requirement. However, it is highly considered as essential, including clients who may want to work with you. 

Employers are required to have a liability insurance to cover all of their employees. This is regardless of their employment status, for example if they work either part-time or full-time. If you hold this insurance, it will mean that if a claim was ever made against your business, you will be protected from compensation costs. This is because your insurer will be able to cover the costs for you therefore potentially saving you thousands of pounds.

At Alternative Insurance Brokers, we are confident that we can find the right liability insurance policy that suits your needs. The cost of each policy can differ depending on the size of your business and how many employees you have. Get in touch with our team today for expert advice and a quote. Fill in the form below with your details and a staff member will be in touch with you as soon as possible.

What We Offer

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Competitive rates from top insurers

Deal with the same adviser throughout the process

Make sure we understand your business

Will only cover what you need to

Liability Insurance FAQs

What does liability insurance cover?

Liability insurance will be designed to fit the dimensions of your business. This includes how many employees you have and the nature of the business itself.

Policies will be built up of a combination of liability cover (public and employers). Our team will only include the cover that you need so you’re paying the right amount.

Why do I need liability insurance?

Our liability insurance can protect employers from paying compensation costs to employees. Claims can arise if anyone suffers an incident at the workplace, falls ill due to work related activities or even loses their life. Meanwhile, the public liability side of the policy will cover any complaints made by a third party, or anyone outside of your business. However, we know that every business is unique and therefore we know how important it is to get a policy tailored to your specific needs.

No matter how careful you are when it comes to business, there are some things that are completely beyond your control. These can have a negative impact on your business. Taking out an insurance policy with us will guarantee you from being out of pocket.

Is liability insurance a legal requirement?

Employers’ liability insurance is a legal requirement in the UK if you employ staff, whether or not they are working full-time or on a temporary basis. Although not required legally, public liability can benefit you if your business interacts with the public regularly. Keep in mind that clients may want to see proof of your public liability insurance before proceeding with any contracts with your business. Therefore, we would recommend that you take this out too. 

Our team will help you find the insurance that fits your business needs perfectly and save you from potentially cashing out thousands of pounds.

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  • Please give us basic details of your insurance needs (e.g. type of insurance, what you would like covered, what date you require the cover, etc.)

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