PUBLIC AND EMPLOYERS LIABILITY INSURANCE

What is Public and Employers Liability Insurance?

Public Liability Insurance is designed to protect and cover businesses from the risk of claims made by a third party, such as member of the public or another business, for example if you damage a property while working. Holding valid Public Liability Insurance is often a requirement of working or subcontracting to another company. The limits are between £1 million and £5 million and the premiums are based on turnover and number of employees.

If your business employs any staff, including part-time staff, trainees or sub-contractors, you are required to have Employer's Liability Insurance by law, covering claims made against you by an employee. Employers Liability Insurance is usually set at £10 million as standard. This will cover you if one of your employees is injured at work, or they, or a former employee becomes ill as a result of their work while in your employment.

Why do you need liability and employer's insurance?

Protects your business financially in the case of a claim
Ensures you comply with the law
Enhanced security and safety for your customers
Can satisfy employers, opening your business up to more opportunities

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Ensuring your business is covered, whatever your trade

With over 20 years’ experience in the industry, at Excel Insurance, we can find a policy that’s right for you. We arrange Insurance Policies for a wide range of trades both locally in Northamptonshire and further afield across the UK, so please contact us to discuss your requirements. With exclusive access to a range of trusted insurers, we can select the scheme which is most suitable to your business, and often at a premium you won't find yourself.

PERSONAL INSURANCE