Helping you with

Liability insurance options

Accidents can happen in any business, whether you’re meeting customers face-to-face, working on-site, or supplying products. Even a small incident can lead to a costly claim.

We arrange Public, Products and Employers’ Liability cover, alongside Directors & Officers and Employment Practices Liability, to protect your business, your people and the directors who run it.

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Find the right cover for your business

Public Liability Insurance

Covers your business if a member of the public is injured or their property is damaged because of your business activities.

Products Liability Insurance

Protects your business if a product you supply, sell, or manufacture causes injury or damage.

Employers’ Liability Insurance

Covers compensation claims made by employees who suffer injury or illness because of their job.

Directors & Officers Insurance

Protects the personal liability of company directors and senior managers accused of wrongful acts while managing a business.

Employment Practices Liability

Protects employers against claims made by employees or job applicants about workplace-related issues.

Not sure what you need?

Our brokers can review your business and recommend the right combination of liability cover.

CALL 01253 692200

Public & Products Liability Insurance

Protection when things don’t go as planned

Accidents can happen in any business, whether you’re meeting customers face-to-face, working on-site, or supplying products. Even a small incident can lead to a costly claim.

Public and Products Liability Insurance helps protect your business from these risks.

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Who needs Public & Products Liability Insurance?

Retailers and shops
Tradespeople and contractors
Manufacturers and wholesalers
Cafés, restaurants, and hospitality businesses
Market traders and mobile businesses
Online sellers and e-commerce businesses
Event organisers and venues

If you interact with the public or supply products, this insurance is highly recommended.

Public & Products Liability Insurance FAQs

Public Liability Insurance covers your business if a member of the public is injured or their property is damaged because of your business activities.

This could include accidents at your premises, on-site work, or incidents caused during day-to-day operations.

Depending on the policy, it may cover:

Injury to members of the public
Damage to third-party property
Legal defence costs
Compensation and settlement payments
Claims arising from defective or unsafe products

Products Liability Insurance protects your business if a product you supply, sell, or manufacture causes injury or damage.

Even if you didn’t directly make the product, you can still be held responsible if it was supplied under your name or brand.

Want to talk through Property Owners Insurance? Speak to a broker on 01253 692200.

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Why is Employers’ Liability Insurance important?

Workplace accidents and illness claims can happen in any industry, even in low-risk environments.

This insurance helps:

Cover compensation claims from employees
Pay legal defence costs
Protect your business from financial loss
Ensure compliance with legal requirements (where applicable)

Employers’ Liability Insurance

Protection for your business and your people

If you employ staff, even on a part-time, temporary, or casual basis, you have a legal and financial responsibility for their safety at work.

Employers’ Liability Insurance helps protect your business if an employee becomes ill or is injured as a result of their work.

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Employers’ Liability Insurance FAQs

Employers’ Liability Insurance covers compensation claims made by employees who suffer injury or illness because of their job.

It helps cover the cost of legal defence, compensation payments, and related expenses if your business is held responsible.

In many cases, yes.

If you employ staff in the UK, Employers’ Liability Insurance is usually a legal requirement. There are limited exceptions, such as some family-run businesses or sole traders with no employees.

Failure to have cover where required can result in significant fines.

You can be. Even if you didn’t directly make the product, you can still be held responsible if it was supplied under your name or brand.

Yes. If you employ staff, even on a part-time, temporary, or casual basis, you have a legal and financial responsibility for their safety at work.

Want to talk through Unoccupied Property Insurance? Speak to a broker on 01253 692200.

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Directors and Officers (D&O) Insurance

Personal protection for the people who run your business

Property investment comes with opportunity, but also responsibility and risk. Whether managing a single buy-to-let property, a growing portfolio, commercial premises, or HMOs, having the right insurance protection in place is essential.

We work closely with property investors to provide flexible insurance solutions designed around their individual needs and long-term goals.

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What does D&O typically cover?

D&O insurance commonly covers:

Legal defence costs,
Compensation claims
Settlements or damages awarded
Regulatory investigations (in some cases)
Allegations of breach of duty or negligence

It does not usually cover fraud, criminal acts, or intentional wrongdoing.

Employers’ Liability Insurance FAQs

Directors and Officers Insurance (often called D&O insurance) protects the personal liability of company directors and senior managers if they are accused of wrongful acts while managing a business.

This can include decisions that lead to financial loss, regulatory breaches, or alleged mismanagement. It helps cover legal costs, settlements, and defence expenses.

Running a company involves making decisions that can be challenged by employees, shareholders, regulators, or third parties. Even if directors act responsibly, they can still face legal action.

D&O insurance helps ensure that personal assets are protected and that the business can afford a strong legal defence.

Speak to a broker on 01253 692200.

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What it typically covers

Employment Practices Liability helps protect against claims such as:

Wrongful termination
Discrimination (e.g. race, gender, age, disability)
Sexual harassment or workplace harassment
Retaliation (punishing an employee for reporting issues)
Failure to promote or hire
Wrongful discipline

Employment Practices Liability Insurance

Protection against workplace-related claims

Employment Practices Liability is a type of insurance that protects employers against claims made by employees (or job applicants) about workplace-related issues.

In simple terms, it covers the company if someone says they were treated unfairly at work.

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You can be. Even if you didn’t directly make the product, you can still be held responsible if it was supplied under your name or brand.

Speak to a broker on 01253 692200.

Get a quote

A Relationship-Driven Approach

We believe insurance should be more than just a policy document.

We work closely with property investors to build long-term relationships based on service, responsiveness, and understanding of the market.

Our goal is to help protect your investments so you can focus on growing your portfolio with confidence.

Meet the team

A Relationship-Driven Approach

We believe insurance should be more than just a policy document.

We work closely with property investors to build long-term relationships based on service, responsiveness, and understanding of the market.

Our goal is to help protect your investments so you can focus on growing your portfolio with confidence.

Meet the team