Most businesses will need to buy cover for Public Liability risks. This covers your legal liability for death or bodily injury to the public and loss of or damage to property not owned by you or in your custody or control. It is crucial cover to anybody who has visitors to their premises or who visit clients premises.
In most cases, if you are a sole trader or you are the sole employee of a limited company, you will only need to buy Public Liability cover. However if you produce or supply a product then you should also purchase Products Liability cover too – this is normally an extension to a Public Liability cover and, in some cases, may be provided free of charge as an integral part of the policy.
If you are the manufacturer of the product or hold the distribution rights then you will need to be sure that your cover extends to include your liability as product licence holder.
If you employ temporary or permanent staff you’re legally required to have employers’ liability insurance. The maximum fine for not having this cover when you are required to do so is £2,500 per day. This insurance covers you if an employee is injured or develops an illness as a result of their employment with you. You should buy this cover even if your only employees are volunteers – if you are in charge of their systems and methods of work you are legally considered to be an employer as far as the legal requirements, in respect of Employers’ liability, are concerned.
A limited company is required to hold Employers’ liability cover even if the only employees are family members – ie a husband and wife. Non limited companies employing close family members are not legally required to buy employers liability cover but are advised to purchase it.
Our Combined Public & Employers Liability policies are tailor made to meet your requirements. Policies are underwritten by UK insurers which we believe provide excellent service and value for money.
Does your business need to protect
By choosing H&H Insurance Brokers to arrange your insurance we want you to know that you will receive the following levels of service:
H&H Insurance Brokers now trading for 30 years across Cumbria, remain truly independent and offer a personal service (no call centres) and bespoke insurance cover at a competitive price – whatever the business size.
Recent news stories of computers being hacked and companies being held to ransom, as well as being offline, have all added to the existing concerns about on line fraud and cloning via the internet.