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Types of Liability Cover
What is Liability Insurance?
Liability insurance provides cover for businesses, independent professionals and self-employed trades against the cost of compensation brought against them by clients, customers, employees or members of the public.
Employers are legally obliged to have Employers’ Liability insurance. Other types of liability insurance are optional but may be required by your clients or trade associations.
The main types of liability insurance are:
Public Liability
Cover for the cost of claims made by members of the public for incidents that occur in connection with your business activities.
Find out more about Public Liability insurance
Employers’ Liability
Required by law if you have employees – this covers the cost of compensation to employees who are injured at or become ill through work.
Find out more about Employers' Liability
Property Owner’s Liability
Provides protection for Landlords in the event that a person is injured or if there is damage to their property as a result of your negligence.
Find out more about Property Owners Liability insurance
Professional Indemnity Insurance
Covers compensation costs to clients for loss or damage resulting from services or advice provided by a business or individual.
How can Lloyds Bank Business Insurance Services help you protect your business?
We know your business is important to you, and keeping it safe and secure will allow you to focus on the important day to day tasks.
To help you do this we have chosen to work with Arthur J. Gallagher Insurance Brokers Limited, one of the UK’s largest insurance brokers.
This service will provide you with access to specialist insurance advisors who will search a panel of leading insurers offering a range of products. To get you the cover you need at the price you want.
Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.