Public liability insurance provides cover in the event that a member of the public is accidentally injured and your business is found to be liable. The cover will also protect you if you damage a member of the public’s property whilst working at their home.
Employers’ liability is the legal liability of an employer to pay damages to an injured employee or the representatives of a fatally injured employee.
Making sure you have the right level of liability insurance to suit your business needs is essential if you employ staff or operate from a commercial premises. Although it is possible to purchase separate employers liability insurance policies it is more common to find them written in conjunction with a Public Liability Insurance policy or part of a package insurance.