Public and Employers’ Liability Insurance
Accidents happen and while you may take every precaution to prevent an accident, if one happens on your premises or as a result of your daily business activity, you may be personally liable and your business could potentially face a very expensive claim.
Public Liability Insurance policies protect against any claims made by a member of the public or a customer if they have suffered a loss or injury.
This type of insurance covers the cost of any compensation awarded to the claimant as well as costs, fees and expenses that become a part of the claim. This takes away the hassle and worry of what could be a very stressful time with consequences that could potentially ruin your business and your reputation.
Examples of Public and Employers’ Liability claims include:
⬢ A scaffolder drops a pole at a residential property and damages the customer’s car
⬢ A beautician and a customer suffer facial burns after splashing hot wax while shaping eyebrows
⬢ A gardener mows a lawn, shatters a stone which smashes the customer’s window
⬢ A member of the public slips on a cleaner’s wet floor that has just been cleaned
⬢ A scaffolder’s assistant carrying roof tiles up a ladder slips and breaks his leg
⬢ A welder gets some metal shards in their eye and loses their sight
⬢ A care worker suffers ongoing back trouble due to lifting residents
⬢ The driver of a haulage company gets run over in the yard and the reverse warning alert isn’t working.
Employers’ Liability Insurance is similar to Public Liability Insurance but instead of covering your business against claims from the public, it protects you and your business from claims made by your employees.
As your commercial insurance broker, we are just a phone call away in the event of a claim. It is our aim to support you throughout the entire process, aiming to minimise stress and disruption to your business.
Our experienced advisers work to protect the organisation you have built with your time, money and personal sacrifice. Our clients are of utmost importance to us so if disaster strikes, we’ll be at your service, at your side – commercial insurance with a personal touch.
HI Commercial also offers flexible payment options if you prefer to pay monthly or a one-off payment.
For immediate cover or to discuss Public Liability and Employers’ Liability Insurance with a member of our team please call 01482 247477 or email [email protected].