Public liability is a type of insurance for businesses of all sizes, across a variety of industries. It covers you if a client or member of the public claims they have been injured, or their property damaged, because of your business activities. This type of insurance is designed to protect business owners against claims that result in legal proceedings. If a claim does become a legal matter, a policy will cover the cost of these expenses, including any compensation you are required to pay. Public liability claims can arise from several circumstances, but negligence is the main trigger. A customer might trip on an uneven surface at your premises or a member of the public could injure themselves on a piece of your equipment. It will also cover claims of property damage. For instance, if you accidentally knock over a mug of coffee, damaging a client’s laptop during a meeting, your policy will cover the associated compensation costs. It’s also important to note that some trading authorities and other organisations might require you to have a certain level of public liability insurance in place. Therefore, a policy doesn’t only protect you from previous mistakes – it can also help you secure new business opportunities.

The Property Owners' Liability Insurance protects landlords and property owners in respect of claims made against them in respect of their legal liability for personal injury or property damage suffered by third parties and arising from the policyholder's ownership of the property.

Employers’ liability insurance safeguards businesses against legal and compensation expenses from employee claims. It’s a key type of insurance, because if one of your employees falls ill or sustains an injury in the context of the work they do for you, you could be held liable. The health and safety of your employees is of paramount importance, and as an employer it’s vital to uphold that responsibility. Something as simple as slipping on a wet floor could lead to a claim. As accidents do happen, you can protect the vitality of your business with an employers’ liability insurance policy.