Tailored public, employers & product liability insurance
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Business Liability Insurance
Tailored liability insurance cover for your specific business needs. Cover up to £10 million for complete peace of mind.
What is public liability insurance?
Public liability insurance, also known as PL insurance, protects your business from compensation claims as a result of injury to members of the public or their property following an accident caused by your business.
Do you need public liability insurance?
Public liability insurance is not a legal requirement but it is vital to have adequate protection in place if you work with clients or suppliers who could sue you for damages following injury or damage to their assets.
What is employers liability insurance?
Employers liability insurance, also known as EL insurance, protects your business against financial claims from employees who may seek damages against your business for illness or personal injury while working for you.
Do you need employers liability insurance?
It is a legal requirement to have employers liability insurance if you employ staff. Minimum cover must be £5 million and underwritten by an FCA approved insurer. Fines of £2,500 per day may apply if the required cover is not in place for your business.
What is product liability insurance?
Product liability insurance covers your business against injury claims or property damage caused by products you have made or sold. Even if you didn’t make the product but sold it, if it causes harm then you may be liable for any costs.
Do you need product liability insurance?
Product liability insurance is not required by law but it is recommended if you sell or make products for consumers. Protect your business against the financial strain of a substantial claim if the unforeseen does happen.
What is personal liability insurance?
Personal liability insurance covers you financially against third party injury and property damage claims deemed to be your fault. The commercial equivalent of this cover is public liability insurance which protects your business.
Do you need personal liability insurance?
Personal liability insurance is not required by law. You may want to take out this type of insurance cover if you want to protect yourself against compensation claims made by other people.
We are able to provide a wide range of commercial liability insurance quotes for various types of businesses and trades. Please contact us for more information
How can an independent broker help you?
35 years experience protecting local business
Impartial advice from complete market analysis
Face-to-face relationships or help over the phone
Competitive premiums from a panel of insurers
Complete Combined Liability Insurance
Single liability products or combined liability insurance on a single policy
Public liability insurance
Employers liability insurance
Product liability insurance
High levels of cover as standard* 
| Item of cover: | Level of cover: |
|---|---|
| Employers liability | £10,000,000 |
| Public liability | £10,000,000 |
| Product liability | £5,000,000 |
| Corporate manslaughter costs | £1,000,000 |
| Health & safety prosecution costs | £1,000,000 |
| Accident financial loss | £25,000 |
* Based on business liability insurance cover from Victor Insurance (we can also offer levels of cover from £1m).
Shield your business against financial risk
Public liability, employers liability & product liability covers:
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Personal injury claims![Tick]()
Accident compensation![Tick]()
Damage to buildings![Tick]()
Defective product claims![Tick]()
Content wreckage![Tick]()
Employee sickness
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Legal fees & damages![Tick]()
Court judgements![Tick]()
Financial loss![Tick]()
Possession replacement![Tick]()
Medical surgery fees![Tick]()
Vehicle damage
Competitive liability quotes on over 300 trades
- Acupuncturists
- Aerobic centres and instructors
- Amusement arcades
- Animal feed suppliers
- Betting shops
- Bingo halls
- Blacksmiths and farriers
- Breweries
- Building and allied trades
- Caravan sites
- Casinos
- Cement manufacturers
- Cinemas
- Civil engineers
- Children’s nurseries
- Clothing recyclers
- Community centres
- Consultancies
- Dairies
- Demolition
- Education centres
- Electronic equipment
- Engineering
- Food risks
- Foundries
- Furniture removers
- Hairdressers / beauticians
- Health clubs / saunas
- Heavy engineering
- Heating / ventilation contractors
- Holiday homes
- Hotels / restaurants / bars
- Imports / exports
- Insulation contractors
- Karting circuits
- Launderettes
- Lift engineers
- Manufacturing risks
- Marquee supply and erection
- Nightclubs
- Paediatricians
- Pathologists
- Railway contractors
- Roofers / scaffolders
- Rubber product manufacturer
- Skip and waste
- Stage and set erectors
- Windscreen fitters / repairers
Business Insurance Experts
91% Renewal Retention
We strive to build a strong relationship with our clients. Ensuring quick and informed responses - with no delays.
Invaluable Experience
Our team of 8 has over 138 years combined insurance expertise and are duly qualified to help you.
3,150 Live Policies
We insure firms with just one person right up to companies with 738 staff, 205 vehicles and a turnover of £120,000,000.
Tailored Package
Comprehensive insurance products tailored just for the needs of your business requirements.
Local Protection
As a local broker we can look after your business on a more personal basis. Pop in to see us or we can arrange to visit you.
Trusted UK Insurers
We present the most suitable policy based on the quality of cover after comparing up to 30 UK insurers.
Contact our team on 0161 763 8222 or request your free quote
