Public and Employers Liability Insurance

Employers Liability insurance is legally required, however Public liability insurance is often recommended alongside too.

Public liability insurance is often required for sub contractors, and in terms of general risk management - it makes good business sense to cover millions of pounds of potential costs, especially for sole traders, directors or employees who could all potentially be blamed for injury to a third party or for damage to property.

Read more on the potential consequences of not having Public liability insurance and Employers Liability insurance.

What combined public & employers liability insurance policy excludes?

If you give poor or ill-judged advice to a client, even in good faith, and this results in loss or damage to them, you will not be covered by combined public and employers liability insurance.

Members of professions (such as lawyers, solicitors, financial advisers, accountants, doctors, and nurses) where advice is given to clients may find that loss, damage or injury caused as a direct result of that advice is something that they can be sued for - and so will need professional indemnity insurance.