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Public Liability Insurance

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Provides business protection in the event of a claim made against you for damage to other people’s property or for injury to a member of the public caused by your negligence.

Do I need Public Liability Insurance?

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:

  • Any person
  • Physical loss of or physical damage to material property
  • Obstruction, trespass, nuisance, wrongful arrest or interference with any right of way, light, air or water occurring within the territorial limits and resulting directly from the trade or business during the period of insurance.

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

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:

  • They are under a contract or service
  • You deduct National Insurance contributions and income tax from the salary you pay them
  • You control when, where and how they work
  • They cannot employ a substitute when they are unable to work

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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R K Henshall & Co Ltd, The Grove, Mill Lane, Wheelock, Sandbach, Cheshire CW11 4RD.

Copyright © Hensure | Hensure Business Insurance Consultants is a trading name of RK Henshall & Co Ltd. www.rkhenshall.com. RK Henshall & Co Ltd are authorised and regulated by the Financial Conduct Authority. Registration Number: 308865. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, A.Brown FCCA. Company Secretary: A.Brown FCCA. www.fca.org.uk. Written quotations, policy terms, conditions and exclusions are available on request. Privacy policy, Cookie policy, Terms, Complaints Procedure, Consumer Duty Statement

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