What’s Covered?

Liability insurance isn’t one-size-fits-all—it’s about protecting your business from the specific risks you face every day. Here’s a breakdown of the key types we offer, designed to keep you covered no matter who’s knocking with a claim:

• Public Liability Insurance: If your business interacts with the public—customers popping into your shop, clients visiting your office, or passersby near your work site—this is a must. It protects you against claims for injury or damage from third parties (not employees), like a customer slipping on a wet floor in your restaurant and spraining an ankle, or a builder accidentally denting a neighbours car with a dropped tool. From shops and hairdressers to tradespeople and caterers, this cover handles compensation, medical costs, or repairs, so a single mishap doesn’t derail your business. Most businesses dealing with the public rely on this—it’s your frontline defense against the unpredictable.



• Professional Indemnity Insurance: For businesses that offer advice, services, or handle sensitive stuff like client data or designs, this is your safety net. If a mistake in your work—like an accountant misfiling a tax return or an architect botching a blueprint—costs your client money and they sue, professional indemnity steps in to cover legal fees and compensation. Imagine a surveyor’s error delaying a construction project, or a consultant’s advice leading to a financial flop—this keeps you afloat. It’s often required by professional bodies (think surveyors, accountants, architects), and even if it’s not, it’s a smart move to protect your reputation and wallet when your expertise is on the line.

• Employers’ Liability Insurance: Got staff? In the UK, this is usually a legal requirement (unless you’re exempt—more on that below). It covers claims from employees who get injured, fall ill, or suffer damage because of their work. Picture a warehouse worker tweaking their back lifting a heavy box, or a barista scalding their hand on a faulty coffee machine—employers’ liability pays for compensation, legal costs, and even rehab support. Exemptions apply to some family-run businesses with only close relatives as staff (check HSE guidelines or ask us!), but for most, it’s non-negotiable—and a good way to show your team you’ve got their back.

All features subject to eligibility and underwriting criteria—let’s tailor a plan that matches your business, from the shop floor to the office chair.

Our Other Business Insurance Solutions

Explore our range of policies designed to keep your business running smoothly: