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.

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.

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.