Employers’ liability insurance is a legal requirement if you employ people. It offers protection against claims from employees who have suffered an injury or illness arising out of their employment. The cover available complies with the UK’s compulsory employers’ liability law.

Employers’ liability cover can include:

• The legal fees involved in defending a prosecution under the Health & Safety at Work Act.

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

Public liability insurance covers the cost of compensation for:

• Personal injuries
• Loss of or damage to property
• Death

Product liability cover is a great addition to your business insurance policies. If someone falls ill with food poisoning or has an allergic reaction to something they ate from your food van, you’ll need to have the right cover to protect you from any legal action and the legal expenses involved.

Cover can include:

• The cost of defending a prosecution under the Health & Safety at Work Act.
• Contingent Motor Liability which will indemnify you (rather than your employee) whilst he or she is using his/her own vehicle in connection with your business.
• Consumer Protection Act and Food Safety Act legal defence costs.

If you aren’t sure if we can arrange cover for you, just ask, chances are we can!