What is liability insurance?

Public liability insurance

Public liability insurance 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.

Liability cover is available in three steps of cover:

• £1 million
• £2 million
• £5 million

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.

• For more information on public liability insurance read our public liability guide.

Employers liability insurance

Employers liability insurance covers you against claims made against you by your staff 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 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 are those people working under your guidance and using your tools and equipment.
• If you are a limited company working on your own and you own more than 51% of the company then liability insurance is not required.
• When you are a limited company with one person and you own less than 51% of the company then liability insurance is required by law.
• If you are a limited company with more than one person then employers liability insurance is required no matter how much of the company you own.

• For more information read the employers liability fact sheet or what is liability insurance.
• Why not try our liability insurance comparison system for tradesmen or professionals
• Help with our system can also be found in our liability insurance help menu

• To find out how you can purchase employers liability and public liability go to the purchasing information page.
• To become a member go to the affiliates section.