Product Info

Liability is split into three main types - Employers, Public and Products Liability.

By law you are required to have Employers Liability if you don’t qualify for exemption. To check if you need Employers Liability cover call our friendly team today. You can also view this handy guide on the HSE website...

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Main Types of Liability: -

Employers Liability covers the cost of compensating employees who are injured at or become ill through work.

Public Liability covers the covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Products Liability covers the cost of compensating anyone who is injured by a faulty product that your business designs, manufactures or supplies.


We cover a vast array of trades and business activities across the scope of this type of insurance allowing for Public/Product Liability in isolation or additional cover above £5,000,000 via and excess layer policy for 12 months or short term dependent on your needs.

We have strong relationships in standard markets, specialist markets and the London Market to ensure that we can tailor a liability package that suits your needs.

You’ll be assigned a dedicated account handler who will facilitate your policy throughout the policy year and future renewals – they will look after everything from policy changes, claims, surveys, risk management and general day-to-day advice. This constant, professional, face-to-face approach means we get to know your business and can protect your exposures whilst ensuring your premiums are relative to the current market conditions through our regular policy reviews.

Should the worst happen, our specialist team will guide you through the entire claims process. You will receive a dedicated claims handler who will look after your claim from reporting to the insurance company and then working with you and the insurance company to progress the claim.

Every claim and circumstance is different. Your dedicated claims handler will keep you updated without you having to contact the insurance company directly, guiding you through any technical problems you may face during the claim and helping you carry on running your business.

We’re here to help you grow and protect you against risks specific to your business along the way, leaving you to concentrate on making a profit.


Products & Services

  • Public, products and Employers Liability
  • Vaying degrees of Liability cover from £1,000,000 to £10,000,000
  • Excess Layer Liability £10,000,000 PLUS no upper limit
  • Short Term Excess Layer policy to cater for one off tenders/contracts
  • High Risk or Hazardous trades such as demolition or Asbestos Removal
  • UK cover or Worldwide dependent on trade
  • No Height Limits or Depth Limits
  • Wide variety of trades and business descriptions

Product Details