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Pubilc & Employers Liability Insurance

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What is Public Liability Insurance?

Public Liability Insurance would cover a business if a customer or member of the public was to suffer a loss or injury as a result of its business activities.

Who needs it?

The most obvious candidates would be any business that welcomes clients, customers or suppliers onto their premises, or trades that require work on-site at customers’ premises.
Shops, cafes, restaurants, pubs, offices, plumbers and electricians are just a few who should consider this type of policy.

Is it a legal requirement?

While it isn’t a legal requirement in Northern Ireland, some companies will need to have Public Liability Insurance in order to trade.

What does the policy not cover?

Public Liability Insurance does not cover accidents which happen to you, your own property or any employees. It will also not cover work that would be considered outside of your ‘normal business activities’.

How much protection do you need?

The amount of cover that you need will be decided by you as the Business Owner. If you operate in a higher risk industry which frequently navigates public facing scenarios, such as a restaurant, café, bar or nightclub, then you should consider a higher level of cover. Small companies can generally select from £1 Million to £10 Million policies.

What is Employers’ Liability Insurance?

Employer’s Liability Insurance will insure you against any compensation claims should an employee deem an accident to be your fault, this includes anything from slips to burns, or anything in between.
The Royal Society for the Prevention of Accidents claim that around 9,000 injuries occur yearly in Northern Ireland workplaces.

Is it a legal requirement?

Yes. Not only is Employers’ Liability Insurance a legal requirement, it is essential in protecting you and your business.
Need help or have any questions? Our local & expert Insurance Advisors are on hand to help! Contact us here.