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Focus Insurance Services
Business professionals discussing liability and risk management
Liability Insurance

Liability Insurance

Comprehensive liability cover for UK businesses. From public liability to directors' protection, we arrange the cover you need to protect your business and personal assets.

Why It Matters

The Liability Landscape

Understanding why liability insurance is essential for modern businesses.

Increasing Litigation

The UK has seen a significant rise in compensation claims, making liability cover more important than ever.

Regulatory Scrutiny

Directors and professionals face increasing regulatory oversight and potential personal liability.

Supply Chain Risks

Businesses can be held liable for products or services provided by their supply chain partners.

Coverage Options

Types of Liability Cover

We help you understand which types of liability cover your business needs and arrange comprehensive protection tailored to your specific risks.

Public Liability

Protects against claims from members of the public or other businesses for injury or property damage caused by your business activities.

Employers' Liability

A legal requirement for most UK businesses. Covers claims from employees who are injured or become ill as a result of their work.

Professional Indemnity

Essential for businesses providing advice or professional services. Covers claims arising from negligent advice, errors, or omissions.

Product Liability

Protects manufacturers, distributors, and retailers against claims arising from defective products that cause injury or damage.

Directors & Officers

Protects company directors and officers from personal liability for decisions made in their official capacity.

Legal Expenses

Covers the cost of legal representation in disputes, employment tribunals, and regulatory investigations.

Why Focus Insurance

Expert Liability Insurance Advice

With over a decade of experience arranging liability insurance for UK businesses, we understand the complexities of liability risks and how to protect against them effectively.

  • Specialist understanding of liability risks across all business sectors
  • Access to leading liability insurers with terms suited to your needs
  • Tailored policies that match your specific business activities
  • Expert guidance on appropriate cover limits and policy wordings
  • Claims support from experienced professionals
  • Regular policy reviews to ensure ongoing adequacy of cover

Quick Quote Checklist

To provide an accurate liability insurance quote, we'll typically need:

  • Business description and activities
  • Annual turnover and employee numbers
  • Required cover limits
  • Claims history (last 5 years)
  • Any specific contractual requirements
  • Professional qualifications (if applicable)

Need Liability Insurance Advice?

Speak to our team about your liability insurance requirements.

Focus Insurance Services

Focus Insurance Services is a UK commercial insurance broker specialising in Property Owners, Shops & Trades, Fleet, and Personal Lines insurance. Advice-led, not price-led.

01733 263311[email protected]
29 Ivatt Way, Peterborough,
Cambridgeshire, PE3 7PH
Mon–Fri 9:00–17:00

Data Protection

Your data is encrypted in transit using HTTPS with HSTS protection. We comply with GDPR and UK data protection regulations.

Security Standards

We implement industry-leading security headers including CSP, X-Frame-Options, and HSTS preload to protect against common web vulnerabilities.

FCA Regulated

Authorised and regulated by the Financial Conduct Authority (FRN 717691). We maintain strict compliance with financial services regulations.

Regulatory Information: Focus Insurance Services is a trading name of Captios Limited. Captios Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Firm Reference Number is 717691. You can check this on the FCA Register.

Captios Limited is registered in England and Wales under company number 09620500. Registered Office: 29 Ivatt Way, Peterborough, Cambridgeshire, PE3 7PH.

We are an insurance broker, not an insurer. We do not provide personal recommendations. All cover is subject to underwriting, terms, and conditions.

© 2026 Focus Insurance Services. All rights reserved.

FCA RegulatedEstablished 2015

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