Liability insurance covers three types of cover; public liability; employers’ liability and product liability. It depends on the nature of your business, but almost every business will require at least one of these cover types by law.

Public Liability protects you from potential situations involving members of the public. It protects you if somebody injures themselves or their property is damaged due to your negligence or error. For nearly all businesses, public liability cover is required by law and you can be fined for each day you don’t have the right cover.

Employers’ Liability protects you if an employee decides to make a claim against you if they suffer an accident they feel was your fault or feel they have been treated unfairly. For businesses with employees or volunteers, this cover is also required by law.

Our review enables us to offer insurance which protects your assets, people and reputation.

Product Liability protects businesses who manufacture, produce, supply, distribute or sell products to members of the public.

If a product injures a member of the public due to your error or negligence, this cover gives you the means to protect your business and its reputation.


Examples of businesses which require liability cover include;

  • Cafés and restaurants
  • Shops and offices
  • Manufacturing firms
  • Factories and warehouses
  • Contracting sector
  • Other sectors where advice is given

With a full scope of your business, we can provide comprehensive cover to protect all of your potential liabilities under one single, simple policy.

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