What is Public and Employee Liability Insurance
As a business owner or tradesperson, you have a responsibility to your clients and the public. If an accident occurs and you're deemed at fault, public liability insurance is crucial. This insurance covers your legal defense costs and, if necessary, pays compensation for damages up to your policy limit in the event of a claim. This compensation covers injuries to third parties or accidental damage caused by you while they are on your business premises, or while you're working at their home, office, or business property.
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In the UK, employers' liability insurance is mandatory for any business with employees, including casual or temporary staff. This insurance protects businesses against claims from employees who become ill or injured due to their work. Companies without this coverage face significant fines from the Health and Safety Executive (HSE).
Why do you need Public and Employers liability insurance?
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Protects your business financially in the case of a claim
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Ensures you comply with the law
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Enhanced security and safety for your customers
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Can satisfy employers, opening your business up to more opportunities
To arrange a competitive quotation, get in touch with the experts at Excel Insurance in Northampton.
Ensuring your business is covered, whatever your trade
With more than 25 years of 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.
First Class Service
Professional Advice
Our tailored Public Liability & employee insurance policies ensure you have the right level of protection. For a quotation, contact Excel Insurance in Northampton today.
01604 250625