Accidents can happen for the most cautious of businesses. Make sure you’re protected if a customer or member of the public are injured due to your business.
If an accident happens, it could be your business that has to pay compensation.
Public liability can cover the cost of compensation and legal fees resulting from injury or property damage where your business is at fault.
We have chosen to work with Gallagher, one of the UK's largest insurance brokers. As a broker, Gallagher have access to a panel of insurers plus they provide professional advise and expertise, helping you get the right insurance for your business.
Common public liability claims are as a result of:
Any business that has clients to its premises or involves work on a customer’s site could need public liability insurance.
Some potential customers may ask to see your insurance documents before they let you work with them.
Here are a few examples of trades that usually need liability insurance:
Not sure what cover you need? Call and speak to business insurance specialists who will help you get the cover you need.
Call on 0345 241 3410
Lines are open Monday to Friday 8am-6pm.
Some customers may ask to see your insurance documents before they let you work with them. With Halifax Public Liability insurance you can get instant cover and proof of your insurance is emailed to you straight away.
The level of cover you’ll need will depend on the work your business does and who you do work for.
The bigger the job and the greater the risks, the more cover you are likely to need. Governments and councils usually have minimum levels of cover that they will insist you are insured for.
So it's important you check how much clients need you to have as part of your contract with them. Halifax Business Insurance let you choose liability limits of £1m, £2m and £5m so you can choose the cover you need.
If the answer is yes, you may also need something called employers’ liability insurance.
This insurance is a legal requirement for almost every business that employs staff, including contractors, casual workers and volunteers.
The legal minimum for cover is £5m. This can cover the cost of pay-outs if your business is sued by an employee for injury or illness caused by employers’ negligence.
This includes damage pay-outs, medical costs and loss of income
£10m of employers‘ liability cover is available as an optional cover with your public liability quote.