We understand your industry needs

An expert and personal service with a policy bespoke to you

We understand your industry needs

An expert and personal service with a policy bespoke to you

We understand your industry needs

An expert and personal service with a policy bespoke to you

We understand your industry needs

An expert and personal service with a policy bespoke to you

Combined Public & Employers Liability Insurance Policies

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

  • Employers Liability to an indemnity limit of £10million?
  • Public and Products Liability up to £5million (extra available)?

For a free ‘no obligation’ quotation please complete our enquiry form or alternatively email us and a member of our team will respond directly.

Our promise to you

By choosing H&H Insurance Brokers to arrange your insurance we want you to know that you will receive the following levels of service:

  1. A dedicated point of contact (with an average over 12 years of experience) to manage your insurances
  2. A named point of contact in the office to handle your day-to-day enquiries
  3. The team handling your insurances will be experienced, friendly, helpful and knowledgeable
  4. You have access to the insurance market and our relationships with major insurers and underwriters will ensure the ‘right’ insurances for you
  5. We will review your insurances annually to ensure that they continue to meet your requirements
  6. You will enjoy the benefit of working with a customer focused team who will listen to you, and work with you to provide bespoke solutions for your insurance needs
  7. You have the security of dealing with a company authorised and regulated by the Financial Conduct Authority.
Find out if we can save you money on your Employers Liability insurance. Call 01228 406 290

FAQs

At H&H Insurance Brokers we are very proud of our personal service. As our client, you will be given the name of your personal account handler, who will deal with any policy queries or amendments you might have. In addition to this, we offer visits from our account executives who will go through your policy in depth to ensure you have sufficient cover at the best cost.
H&H Insurance Brokers have negotiated very competitive rates with a leading credit provider allowing you to pay monthly over 12, 10, 6 or 3 months to suit you.
Close Brothers Premium Finance will make a charge for arranging instalment facilities so you can pay by Direct Debit. The amount of the charge will depend on total premiums and chosen payment period but we will confirm this to you when arranging your insurance.
To claim you can either contact our head office on 01228 406290 or visit our claims section on this website which contains some helpful information.
We act as an intermediary between clients and insurance companies. Clients may be either individuals or commercial businesses and organisations. We use our in-depth knowledge of risks and the insurance market to find and arrange suitable insurance policies. Unlike tied agents, we are independent and offer products from more than one insurer, to ensure that you get the best deal.  Insurance policies range from motor insurance, required by law to drive a vehicle in the UK, to public, employers’ or product liability insurance, which pays compensation on the basis of the assessment of legal liability for damage, injury or harm.
More questions? Speak to a specialist 01228 406 290

Contact us

Get in touch us to discuss your needs with one of our specialist brokers.

01228 406 290

Why choose H&H?

  • Real experts who take time to understand your business
  • To save you time and better understand your needs, we’ll come to you
  • We will get the right cover for you at a competitive price
  • Provide both standard and niche insurance covers
  • For more details click here

Independent Business Insurance reviews from FeeFo

Discuss your insurance needs with an expert 01228 406 290

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