Liability insurance

As a specialist liability insurance broker we can help you arrange cover for your business operations in the UK with quotes available online day or night. We understand that you probably have more than enough work to be getting on with without the hassle of searching around for the best insurance deal which is why we search a huge range of insurers on your behalf and then provide a competitive quote from each one so you can decide which policy best meets your needs based on price, excess and terms/cover provided.

Our quotation system is most of the quickest available online and searches some of the most competitive insurers for your liability insurance to ensure you pay a low premium and receive extremely comprehensive cover. Rather than having to spend hours of your own time approaching different insurers for quotes you can simply sit back in the knowledge that our automated systems will do all the hard work for you. For the security of our clients we will only ever place you on cover with a well known insurer which is authorised and regulated.

You may be wondering what liability insurance actually covers you for, the basic idea of this type of insurance is to provide protection for you for any injury or property damage you cause during the course of your occupation, a prime eample would be if you were a decorator and whilst carrying a ladder into the customers property you accidently knocked an expensive vase over and the customer holding you liable for the cost of repairing or replacing the damaged item. This is known as public liability and shouldn't be mistaken for property owners liability which you'd usually find with a landlords insurance policy which is a very different type of cover. An example of injury would be if you were to leave some of your tools laying around and the customer then tripped over them injuring themselves and holding you liable, obviously such claims against you can result in huge financial losses for you and your business if you do not have insurance for your liability in place.

When applying for an online quotation for your liability insurance you will need to enter specific details with regards to the activities you carry out during the course of your normal working day, for example if you worked as a landscape gardener and a window cleaner you would need to make sure you choose both occupations. Things such as years experience and years trading can have an effect on how much your insurance for public liability is.