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What is public and employer liability?

Public liability insurance covers you against claims made by the public or other businesses against you for example if you injure a person or damage property in the course of your work. Holding valid public liability insurance is often a requirement of working or subcontracting to another company. The limits are between £1 million and £5 million and the premiums are based on turnover and number of employees.


If your business employs any staff, including part-time staff, trainees or sub-contractors you are required to have this cover by law. Employers liability insurance is usually set at £10 million as standard. This will cover you if one of your employees is injured at work or they or a former employee becomes ill as a result of their work while in your employment.

Arranging cover for a range of trades

We can arrange insurance cover for a wide range of trades so please contact us with your requirements. We have access to a wide range of insurers so we can select the scheme which is most suitable for your business

Public & Employers Liability Insurance