Public liability insurance 

This type of insurance covers you for the cost of a claim made by a client or a member of the public that has suffered injury or property damage as a result of your business or a product it has supplied. It protects you against the cost of compensation to be paid out, as well as the legal expenses incurred by the claims process.

Public liability insurance can cover you in many cases, from a client or member of the public slipping on a wet floor on your business premises, to them tripping over your work equipment. It also covers you for damage to property. For example, if a member of the public were to claim that you’d broken their laptop whilst visiting them on business, you’d be covered for the cost of compensation owed to them, up to the limit of your policy.

In addition to protecting your business from past mistakes, public liability also has potential to benefit the future of your business, opening it up to new opportunities where an organisation or trading authority may require a certain level of public insurance in place.

For a quote on public liability insurance, contact our business insurance brokers today on 01202 874 989.

Products Liability

Products liability refers to the liability of any or all parties along the chain of manufacture of any product for damage caused by that product. This includes the manufacturer of component parts (at the top of the chain), an assembling manufacturer, the wholesaler, and the retail store owner (at the bottom of the chain).

Products containing inherent defects that cause harm to a consumer (or someone to whom the product was loaned, given, etc.) of the product would be the subjects of products liability suits.

While products are generally thought of as tangible personal property, products liability has stretched that definition to include intangibles (i.e. gas), naturals (i.e. pets), real estate (i.e. house), and writings (i.e. navigational charts). Products liability is derived mainly from torts law.

For a quote on products liability insurance, contact our business insurance brokers today on 01202 874 989.

Employers’ Liability

Employers’ liability insurance protects your business against the cost of compensation claims made in the event of an employee injury or work-related illness. For most businesses in the UK, Employers’ liability insurance is a legal requirement and not having adequate cover can lead to significant fines.

As an employer, you are responsible for the health and safety of your employees while they are at work. If an employee suffers an injury or falls ill, you may be held liable. It could be something as simple as an injury caused by slipping on a wet floor, or an employee contracting a disease because of something you were unaware of.

Employers’ liability insurance cannot prevent accidents from happening, but in the event that they do, it will cover the legal and compensation expenses arising from a claim.

For a quote on employer liability insurance, contact our business insurance brokers today on 01202 874 989.

Lansdowne Woodward - Liability