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Liability Insurance for UK Businesses

As a business owner, protecting your company from potential risks and legal claims is crucial. Our tailored liability insurance policies offer comprehensive coverage, ensuring you can focus on growing your business with confidence.

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Employers' Liability Insurance

Legal Requirements

Coverage

Employers’ Liability (EL) insurance is mandatory for most businesses that employ staff, even on a casual basis.

Minimum Limit

Your policy must cover you for at least £5 million by law but most insurers apply a minimum of £10 million by default.

Penalties

Failure to have proper EL insurance can result in fines of up to £2,500 per day. Displaying your EL certificate is also essential.

Coverage Details

Injury Claims

EL insurance helps pay compensation if an employee is injured or becomes ill due to work-related activities.

Legal Costs

Covers legal expenses associated with employee claims

Peace of Mind

Ensures financial protection for both your business and your employees.

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Public & Products Liability Insurance

Public Liability Insurance

Coverage

Protects against claims from third parties (e.g., customers, suppliers, or visitors) for injury or property damage caused by your business.

Examples

Slip-and-fall accidents, a person or property being hit by an object.

Benefit

Financial security in case of unexpected accidents.

Products Liability Insurance

Coverage

Covers legal costs and compensation if your products cause harm or damage.

Relevance

Essential for manufacturers, distributors, and retailers.

Why it Matters

Guards against product-related claims.

Frequently Asked Questions

Is business insurance compulsory in the UK?

Employers’ Liability (EL) insurance is mandatory for most businesses that employ staff, even on a casual basis.

Can I insure multiple liability types under one policy?

Yes, some insurers offer combined liability policies tailored to your business needs.

How much EL insurance do I need?

The minimum requirement is £5 million but it is standard for insurers to apply a Limit of £10 million automatically.

Contact Us

Fill in the brief details and let us contact you to discuss your business insurance requirements.

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CONTACT

Tel: 01924 654 064

Mob: 07413 0413 54

Email: info@gauntletselect.co.uk

6 Hawthorn Square

East Ardsley

Wakefield

WF3 2LX

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WORKING HOURS

Mon - Fri: 9am - 5pm​​​

Gauntlet Select is a trading style of Commercial Select Limited, who are registered in England & Wales (15538160).  Commercial Select Limited, is an appointed representative of Gauntlet Risk Management Ltd who are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 308081. You may check this on the Financial Services Register by visiting the FCA website, www.fca.org.uk or by contacting the FCA on 0800 111 6768

© 2024 by Gauntlet Select.

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