Public and Employers’ Liability Insurance are two different cover options. Speak to our team of experienced advisors if you would like to add them as part of a commercial combined policy, or if you would like to select them individually. Public Liability cover isn’t required by law, but can save you a small fortune if you come to need it. Employers’ Liability is a legal requirement in most cases, even if your business only employs one person.
Public liability insurance covers you if a member of the public claims that they have suffered an injury or loss as a result of your business. If you don’t have visitors to your office or home, you may well still suffer a public liability claim. For example, if some of your business signage were to come loose and injure someone walking past the premises. If this were to happen, public liability insurance would pay the cost of compensating the individual and the legal expenses involved. Someone who works for you could also trigger a public liability claim against your business, if their actions at work injure a client or member of the public.
If you have someone working for you, even if they’re an unpaid volunteer, or contract and temporary staff, you are usually legally required to have employers’ liability insurance. This is a legal requirement because you as a business are responsible for the health and safety of your employees while they’re at work, or on work business. If they received an injury at work, or became ill as a result of their working conditions, they could claim compensation from you. By insuring against this possibility, you protect yourself from costly compensation and legal fees.