Liability insurance

As a broker specialising in liability insurance in the UK we can provide you with an extremely low cost quotation from a panel of different insurance companies. Obviously the benefit is that our systems automatically obtain a quote for you rather than you having to spend your own time searching around and contacting several different insurers. We can also negotiate premiums directly with insurers to make sure that our policies are always competitive.

You may not actually fully understand what liability insurance covers you for, the basic idea is to provide protection for your business in the case that a member of the public holds you liable for the property damage or injury caused during the course of your occupation. For example if you were a carpenter and whilst carrying your equipment into the customers property you accidently knocked over an expensive vase or left tools laying around which the customer tripped over and held you liable for their injury.

Their are two main types of liability insurance that we deal with, public liability and employers liability. At this moment in time public liability insurance is not a legal requirement whilst employers liability is if you have any employees. Failure to have insurance for your public liability could result in huge financial losses should the worst occur and a member of the public holds you liable for an injury or property damage.

For the protection of our clients and to ensure we offer the best service we only deal with insurers which are authorised and regulated to provide insurance cover. Before proceeding with cover we must insist that you carefully read the quotatation details and keyfacts carefully for each insurer which will outline the most important details about the policy. Upon request we can provide copies of insurance policy booklets which will allow you to read into each detail relating to your liability insurance policy.