Liability for Your Business

Public Liability Insurance

Public liability insurance is a critical consideration if your business comes into contact with members of the public, whether that’s at your premises or elsewhere. It can protect you against compensation claims for injury or damage made by clients, customers, suppliers, or other third parties. Most shops, restaurants, hairdressers, builders, and tradespeople take out this insurance.

Professional Indemnity Insurance

Professional indemnity insurance is vital if your business gives advice or offers a professional service to other businesses or if you deal with client data or intellectual property. If you make a mistake in your work and your client loses money and sues you, your professional indemnity insurance can cover the compensation claims and legal costs. Some professional bodies and regulators require their members to have this insurance, including bodies for surveyors, accountants, and architects.

Employers’ Liability Insurance



If your business employs staff, you’re probably legally required to have an employers’ liability insurance policy. This covers compensation claims made by a staff member because they’ve suffered injury, illness or damage due to their work. Certain companies are exempt from the legislation, including some businesses employing only close family members. Check the Health and Safety Executive (HSE) guidelines to see if you're exempt or seek advice.