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General Liability
What is General Liability Insurance?
General Liability Insurance in the UK typically covers three main areas: Public Liability, Product Liability, and Employers’ Liability. Together, these policies provide comprehensive protection for businesses against claims from third parties and employees for injuries, property damage, or losses caused by the business’s operations, products, or during employment.
Public Liability
Public Liability
Click HereProduct Liability
Product Liability
Click HereEmployer's Liability
Employer's Liability
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Key Considerations:
Policy Exclusions:
Ensure you understand the exclusions in your policy. For instance, public liability insurance does not cover employee claims (covered by employers’ liability) or damage to your own property.
Adequate Cover Levels:
Different businesses require different levels of cover. Higher-risk industries, such as construction or manufacturing, may need greater indemnity limits to protect against larger claims.
Mandatory Employers’ Liability:
In the UK, having Employers’ Liability Insurance is a legal requirement for any business with employees, including part-time or temporary staff. Failure to comply can result in fines of up to £2,500 per day.
Industry-Specific Risks:
Businesses in certain industries may face unique risks. For example, product liability is critical for manufacturers and retailers, while construction companies need high levels of public liability cover due to the nature of their work.
Risk Management:
Implementing safety measures, regular inspections, and employee training can help reduce accidents and claims, which may also help lower your insurance premiums.
Choosing a General Liability Insurance Provider:
Industry Experience: Select an insurer with experience in your industry, as they will understand the specific risks and requirements your business faces.
Claims Handling Reputation: Choose a provider known for efficient claims handling, ensuring that any claim is dealt with promptly and professionally.
Customisable Policies: Look for policies that allow you to adjust cover limits and add specific extensions based on your business’s individual needs.
Speak to our General Liability
Expert Advisor
We understand the importance of having easy and accessible ways to get in touch with us. That’s why we’re excited to offer you a way to connect directly with our Senior Team quickly and conveniently.
Nicola Wyatt
Senior Insurance Practitioner
