Working in the trade, you face the risk of incurring liabilities through your operations, whether you are making, providing or selling products or services, to simply owing duties of care to the public as well as your workforce.
Our specialist business team is dedicated to safeguarding your business and we are here to help guide you through the various options available making sure you have right combination for your specific business type.
As part of our process we undertake an annual review with you to ensure you have the right level of financial protection and cover in place as your business evolves and expands.
Public Liability covers your business against claims of injury or property damage to a third party.
Product Liability is important to have to cover you against products that you have manufactured or supplied to a third party.
As an employer you are legally obligated to have this policy in place to help pay compensation if an employee or indeed ex-employee sues you for injury or illness caused by their work.
It is vitally important to take note what insurers regard to be an employee as it can be a little complicated.
What is an employee?
If you own land, this policy covers you against exposure to claims as result of someone being injured on your land – even trespassers.
Property Owner Liability
If you are a landlord or a property owner, this policy covers you if a member of the public (including tenants) injures themselves on your property or damage is caused to another property.
We can tailor this cover to provide you with peace of mind that your personal assets are protected, along with legal costs.
*Terms and Conditions apply.