If you employ any staff then you are legally required to have Employers Liability insurance.
Employers Liability insurance protects you and your business against the cost of compensation claims arising from employee illness or injury sustained as a result of their work for you. This can include legal fees for defending a claim against you, as well as any compensation you may have to pay.
Public Liability insurance covers the cost of claims made by third parties in relation to any incident that occurs in connection with your business activities, including:
While it is not compulsory, we recommend it as an essential part of any business insurance as a single claim can wipe out years of hard work building your business.
Products Liability insurance protects you against any compensation claims made by members of the public in relation to goods or services that you supply. They do not need to prove that you have been negligent, only that injury or damage was caused by a product or service that was defective. This includes any packaging or supplied instructions.
Compensation claims of this type are many and varied and we recommend this cover as essential to minimizing the impact of potentially costly claims.
Gibbs Denley can help you understand the risks associated with your business for Public, Products and Employers Liability Insurance and secure cover to meet your needs – contact us for a quote.
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