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 insurance

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

Indemnity Insurance

Covers compensation costs to clients for loss or damage resulting from services or advice provided by a business or individual.

Find out more about Professional indemnity insurance

How can you get the right cover for 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, who will provide you with access to specialist insurance advisors and a panel of leading insurers which means you can choose from a range of products to get the cover you need at the price you want.

If you’re not sure what you need, call to speak to experienced public and employers’ liability advisers.

0345 377 0002

Lines available from 9am to 5pm Monday to Friday.

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