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Liability Insurance

Public and Employers Liability Insurance

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Public and employers liability
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What is the Difference Between Public and Employers Liability Insurance?

A combined Public & Employers Liability Insurance policy will enable you to meet both your legal liabilities to the public and to your employees, while at the same time reducing the costs of taking out two different policies to protect you against lawsuits made by either group.

The Differences

  • Public liability insurance covers your business against compensation and legal costs awarded to the public as a result of damage to property or injury to a third party (ie not an employee).
  • Employers liability insurance covers your business against claims made by employees for injury, illness or disease sustained during the course of employment.

Public liability insurance and employers liability insurance can often be purchased as part of a comprehensive package of business insurances.

Cheaper quotes

There are considerable cost savings to be made by combining both types of insurance liabilities in the same policy. In addition, such a policy is likely to be more comprehensive in the extent of its cover.

Most insurers can offer an all-in-one business insurance package incorporating both public and employers liability insurance, as well as product liability, for instance, and/or tools and equipment and motor vehicle liability, and/or professional indemnity insurance to cover claims against you as a result of advice you have given.

Trades associations often offer combined public and employers liability insurance packages specifically adapted to their members' business activities.

The Federation for Window Cleaners, for instance, offers members a combined Public & Employers Liability scheme.

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