Public liability Insurance
Public liability insurance provides cover against claims made by members of the public who have suffered injury or damage to property in connection with the business. If a member of the public is injured on your property, you may be held responsible. For example, a customer might slip on a wet shop floor.
It is designed to pay compensation which can include; loss of earnings; future loss of earnings; damages awarded to the claimant; legal costs incurred defending the claim; and the claimants’ legal costs that you incur if you are found to be at fault.
Employer’s liability Insurance
As an employer, you are responsible for the health and safety of your employees while they are at work. Employers’ liability insurance provides cover against claims by employees who have suffered an injury or illness in the course of their employment. For example, if an accident occurs because health and safety rules have not been implemented.
The Employers’ Liability (Compulsory Insurance) Act 1969 (ELCA) makes it compulsory for employers to have employer’s liability insurance. You can download a full guide to the ELCA at www.hse.gov.uk/pubns/hse40.pdf. This guide includes details of what counts as an ’employee’ and organisations that are exempt from the ELCA. – For example, health service bodies and some family businesses.
It is compulsory to have at least £5m of Employers’ Liability insurance. Let us help you find the right level of liability cover for you – call us today.