Question 1

What is public liability insurance?

Accepted Answer

Public liability insurance covers claims made against your business by third parties — such as customers, members of the public, or other businesses — for injury or property damage caused by your business activities. It covers legal costs and compensation payments.

Question 2

Is employers liability insurance compulsory?

Accepted Answer

Yes. Employers liability insurance is a legal requirement for most UK businesses that employ staff, including part-time, temporary, and casual workers. The minimum legal limit is £5 million, though most policies provide £10 million of cover.

Question 3

What is professional indemnity insurance?

Accepted Answer

Professional indemnity insurance covers claims made against your business for financial loss caused by negligent advice, errors, or omissions in the professional services you provide. It is particularly relevant for consultants, advisers, designers, and other professional service providers.

Question 4

How much public liability cover do I need?

Accepted Answer

The appropriate level of cover depends on the nature of your business, the size of contracts you undertake, and any contractual requirements. Common limits are £1 million, £2 million, £5 million, and £10 million. We can advise on the appropriate level for your specific circumstances.

Liability Insurance