Public Liability Insurance

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Public liability insurance is an essential form of cover to protect businesses in the event of being sued by third parties who feel that they have suffered a loss as a result of the negligence of the business.  In the absence of public liability insurance such litigation could result in a significant cost burden successfully brought or not.

These costs can be so high as to even force an individual or company into bankruptcy or liquidation.  Whilst not presently a legal requirement (though there are some exceptions), public liability insurance is certainly a crucial part of all sensible business planning.

Employers’ liability insurance enables businesses to meet the costs of compensation and legal fee claims brought by employees who are injured or made ill at work through the fault of the employer.

Employers’ liability insurance is a legal requirement in England, Scotland and Wales.

Currently the law requires employers to have at least £5 million worth of employers’ liability insurance cover.  Most insurance companies provide a standard amount of £10 million.