Even the smallest mistake can lead to thousands of pounds in compensation.
Public Liability Insurance is not a legal requirement in the UK, but it is advisable to arrange cover.
Unfortunately, today’s society has become very litigious, and there’s always someone looking to claim compensation.
Whether you operate as a sole trader, a limited company or a bona-fide subcontractor, it is important to consider what would happen if a claim occurred.
If you arrange your Public Liability insurance through Hensure, we will carry out a full review of your activities and make sure that you are covered on the right basis.
Your insurance policy will indemnify you against all sums for which you shall become legally liable to pay damages and claimants cost and expenses arising out of accidental injury to:
The price charged by an insurer will depend on the size of your business and the activities that you carry out. Most insurers will adjust the premium depending on your claims record and the positive features that you can demonstrate when you propose the risk to them, such as a positive attitude to risk management and health and safety.
Public Liability insurance will not cover accidents that happen to you or damage that occurs to your own property or a property being directly worked upon. It also excludes any incidents involving your employees. For accidents involving your employees, this will be covered under your employers’ liability insurance.
Employers Liability insurance is a legal requirement for many businesses. If you own a business that has employees, it is likely that you will be required to hold a policy.
Employers Liability (EL) insurance, enables businesses to meet the costs of damages and legal fees for employees who are injured or made ill at work, through the fault of the employer. By law, an employer must have EL insurance and be insured for at least £5 million. Most insurers automatically provide cover of at least £10 million.
You need employers’ liability cover in place from the day that your business begins to employ staff.
If you own a business that has employees, then it is very likely that you do. A person is normally defined as an employee if:
Despite these factors, even if you employ people with no contract, or they work on a voluntary basis, there is still the risk that they could file a claim against you.
If your business is not a Limited company, and you are the only employee, or if you only employ close family members, you do not need compulsory employers’ liability insurance. Limited companies with only one employee, where that employee also owns 50 per cent or more of the issued share capital in the company, are also exempt from compulsory employers’ liability insurance.
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Request a call backEmail: andy@rkhenshall.com
Andy joined the Hensure team in 2026, with five years experience as an Account Handler. Specialising in Fleets & Property Owners policies, he holds his Cert CII and a Graduate Diploma in Law.
In his spare time, Andy is a Liverpool fan, Women’s football performance analyst and scout, and UEFA C coach.
Andy’s hobbies include playing guitar and road cycling, and he is currently learning German and Spanish.
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Email: ross@rkhenshall.com
Ross joined us in July 2021 and is now Broking Services Manager .
After completing a Bachelors and Master’s degree at University, Ross moved into the insurance industry. He has several years of experience in the insurance industry, having worked for a number of well-known Insurance companies prior to moving to Insurance Broking.
Ross is a keen climber and recently took up a new hobby of canoeing.
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Email:Â john@rkhenshall.com
John has 25 years of insurance broking experience. John has been awarded the Advanced Diploma in Insurance by the Chartered Institute and has also been awarded his Certificate in Financial Services.
John is a keen sportsman having played rugby at local level for both Penrith and Sandbach.
He was captain of Sandbach squash club for many years and still plays for the team in the local leagues.
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Email: allen@rkhenshall.com
Allen has over 20 years experience in commercial insurance having worked for a mixture of large and smaller insurers before moving in to an Insurance broking role.
He is responsible for the RK Henshall online trading through the Hensure Brand and also has overall responsibility for a number of delegated Authority binders that operate within the Underwriting Agency.
In his spare time he likes to play golf and is also the drummer in a covers band.
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Email: rhian@rkhenshall.com
Rhian holds an Apprenticeship in Business Administration and Customer Services, her CERT CII qualification and has experience dealing with professional indemnity, liabilities and commercial combined risks.
In her spare time, Rhian loves spending time with her friends and family and her two cats.
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Email: stephanie@rkhenshall.com
Stephanie joined the team back in 2013, where she completed the Brokerbility Apprenticeship Scheme to achieve her Cert CII qualification.
Outside of the office, Steph enjoys riding her horse and socializing with friends and family.
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Email: laura@rkhenshall.com
Laura joined the team in early 2024, after three years working in Commercial insurance.
She is currently working towards her CERT CII qualification.
In Laura’s spare time, she enjoys playing badminton and taking part in local quizzes. She is also a keen spectator of rugby and American football.
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