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Our guide to liability insurance policies

Liability insurance is a set of policies that are aimed at protecting you against legal claims, our guide to liability insurance policies will help aid your decision making. Liability insurance falls in to two main categories; public liability insurance and employers liability insurance. Also available are polices that are focused by the trade or industry that you work in. Professional liability insurance generally looks after white and blue collar professions and tradesman liability insurance for manual workers.

Each and every liability insurance policy we provide you with ensures a high standard of cover protecting you against claims made against loss or damage to a third party or employee. We can help you to tailor your liability insurance policy around your needs ensuring a policy that is suited to your trade or profession.

Your public liability insurance cover

Public liability is there to cover you in the event of a claim against you for negligence when you are working on third party property or if you cause injury by your actions.

Public liability insurance cover is available in three steps of cover this allows you to tailor your policy to your needs. You can choose from either £1, £2 or £5 million of public liability insurance cover.

Cover is available for a wide range of trades and professions from accountants to web designers so get a quote now to find out how much you could save with us.

More on employers liability insurance

Employers liability insurance covers you against claims made against you by your employees and is available for most trades and professions in the UK.

When you have staff in a UK company, employers liability is a legal requirement. When you are not a limited company then staff is classed as any person who works for you excluding yourself, business partners or family members. Labour-only subcontractors are also staff. Labour-only subcontractors can be defined as those people working under your guidance and using your tools and equipment.

When you are a limited company with one person and you own less than 51% of the company then law requires that you are covered with this type of policy. If you are a limited company with more than one person then this cover is required no matter how much of the company you own. For more information on this you can read our employers liability insurance facts.

Insure My Liability allows you to compare employers liability insurance from a panel of leading liability insurers. This allows you to find a competitive public liability insurance policy, which can be tailored around the needs of your company. You can also read our employers liability insurance facts, which can help you identify the right cover for you.

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