Reasons why you need a Public & Employers Liability policy:
Offers protection against claims made against your business and covers legal expenses
Can be tailored to cover risks specific to your business.
Having the correct insurance cover minimises disruption to your business.
One managed policy, one renewal date and Hamilton Robertson working on your behalf.
Public & Employers Liability
Public & Employers Liability insurance provides cover against claims made by members of the public or your employees due to injury or damage caused whilst at your premises. The legal costs of defending you and your business are covered by our policy if the insurer feels that you are not liable for any injury/damage caused during the course of your occupation.
Whilst there are exceptions (in the scenario of a single member limited company), this is a legal requirement in the UK if your business has employees. It forms the financial protection needed if an employee makes a compensation claim for personal injury claiming that your business is liable.
Public liability insurance covers injury or illness (i.e. slips, trips and falls) of visitors to your premises and the subsequent compensation claims victims may make against you. Again, it provides the financial protection needed to make sure you are not left with a hefty bill if something does happen.
This cover is not legally required, but it is highly recommended.
Why use us?
We are an Independent Chartered Insurance Broker having been in business for over 35 years. This means that whilst we have many years’ experience in arranging insurance the real benefit to you is that we can put our experience and qualifications into practice.
And because we are not tied to any one insurer, we work alongside the major household-name and specialist insurers to recommend a range of insurance products that are specially-designed for you, and a competitive price.