Public & Employers' Liability Insurance

Regardless of whether you are a new or existing business, it is crucial to carefully consider obtaining the right insurance coverage for your activities, whether your business is situated in Eastbourne or anywhere across the UK. Public Liability Insurance, although not a legal requirement, is extremely important as a claim against your business without appropriate cover could potentially close the company or bankrupt an individual sole trader.

Public Liability Cover can help to protect businesses of all shapes and sizes, across a wide range of industries. If you come into contact with clients and members of the public, including site visits and events, then Public Liability is crucial to ensure the smooth running of your business or organisation.

Public Liability Insurance can provide coverage for compensation payments and legal expenses in case a member of the public, perhaps a customer, supplier, or passer-by, files a lawsuit against your business due to injury or damage to their property.

Whether your staff works off-site, you are a tradesman, or customers visit your premises, there is always a potential for injuries and property damage that could result in legal action, and you should consider having a Public Liability policy in place. When your business is protected by public liability insurance, your insurance provider will usually bear the financial burden of a claim filed against your company.

This typically includes compensation payments, court fees, and other legal costs. Having this protection in place can be the deciding factor between staying in business or facing bankruptcy due to potential compensation payouts and legal fees. Do you need Public Liability Insurance? If you would like to protect your business and you want to restore peace of mind to get on with your job, get a quote from us today.

In the UK, under the 1969 Employers' Liability Act, it is a legal requirement to have Employers Liability Insurance or EL Insurance, if you employ staff. The purpose of this insurance is to safeguard your employees should they sustain an injury or fall ill due to their work at your company.

Employers' Liability Cover is a form of Business Insurance that helps to protect, you from the financial burden of compensation claims arising from employee illness or injury resulting from their work for your company. Even if you employ volunteers, short-term workers, casual workers and work experience, you are still required to obtain Employers' Liability Insurance.

The minimum limit of Employers' Liability Insurance is £5 million, but most insurers offer coverage at £10 million as a standard limit. Professional Insurance Agents Ltd can offer bespoke insurance policies combining Professional Indemnity Insurance and Public Liability Insurance.