It’s crucial businesses consider employers, public and products liability risks to protect themselves against potential claims. Liability insurance policies cover both legal costs and payouts for which the insured party would be responsible if found legally liable.
Business owners may purchase liability to ensure that covers them if an employee is injured during business operations. Danger from working at height or depth, the risk of fire from using heat and the location of work and type of work undertaken are all key liability factors.
Products imported from China may be of lower quality and considered higher risk by insurers, while sales to North America are also higher risk due to the compensation culture there.
Serious injury to just one person can result in multi-million pound compensation claims, and incidents can involve several people, so care must be taken in selecting suitable indemnity limits.
Based on your wages and turnover, our preferred partners can offer professional and trusted advice to find a cover that is best for you. Get in touch to find out more on how we can help.
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