Why do I need Liability Cover?

Public Liability?

Insurance against damages awarded to members of the public because of an injury or damage to their property.

As a self employed tradesman can you afford to pay damages awarded to a member of the public following damage caused by you to the person or their property. Insurance payouts to members of the public as a result of an insurance claim grow year after year.

Damage caused to a persons property may only result in a small claim but claims for injury to a person can run into hundreds of thousands or even millions?

Employers Liability?

Why do I need employers liability? Simple if you are an employer you have to have the liability cover by law.

This protects you as an employer should an employee wish to take action against you following an accident or loss. As an employer you are recommended to keep you liability certificate for a period of 40 years. This is due to claim being made from previous employers later in life. This way you know you had the cover and who it was with should you need to make a claim.