Liability Insurance
Protecting your business against unforeseen legal costs and compensation claims is essential. Our policies are designed to cover the specific liability risks faced by your business, from Property Owner’s Liability and Public Liability to the legally required Employers’ Liability. We also arrange Products Liability for manufacturers and suppliers. We’ll find you a comprehensive policy that safeguards your business finances and future stability.
What is Liability Insurance?
Liability insurance is designed to protect your business when it is held responsible for harm or damage caused to a third party (a member of the public, a customer, or an employee). Without adequate cover, a single claim could result in massive legal costs and compensation payouts that could force your business to close.
The Four Pillars of Liability Cover
Different activities expose your business to different types of risk. Compare Quote Save arrange policies that cover the four main categories of liability:
Public Liability: Injury or damage caused by your business to a member of the public or their property.
Employers’ Liability: Injury or illness caused to an employee as a result of their work.
Products Liability: Injury or damage caused by a faulty product you have manufactured, supplied, or sold.
Property Owner’s Liability: Injury or damage related to the ownership of a rental property.
Public Liability Insurance: Protecting Third Parties
What does it cover?
Public Liability (PL) insurance is one of the most critical policies for day-to-day operations. It protects your business against the financial burden of claims made by members of the public (third parties) who suffer an injury or whose property is damaged as a result of your business activity or premises.
Claims can arise from seemingly minor incidents, like a client slipping on a wet floor in your office, or a worker accidentally dropping a tool and damaging a neighbour’s car. PL covers these claims if your business is found legally negligent.
Cover Typically Includes:
Compensation Payments: Cover for damages awarded to the third party, which can run into hundreds of thousands of pounds for serious injuries.
Legal Defence Costs: Crucially, it covers the costs of investigating and defending the claim in court, even if the claim against your business is ultimately unsuccessful.
Accidental death or bodily injury of a member of the public on your premises.
Accidental loss of or physical damage to third-party property while your team is working off-site (e.g., at a client’s home or business).
Who needs Public Liability Insurance?
Although not legally mandatory in the UK (unlike Employers’ Liability), PL insurance is absolutely essential for virtually every business that has any form of interaction with the public or external premises.
This includes:
Premises Interaction: Retailers, restaurants, gym owners and office-based businesses that welcome visitors.
Off-Site Work: Tradespeople, cleaners, mobile hairdressers, and construction workers operating on client property.
Consultants & Professionals: Anyone who visits client sites for meetings or project work.
Get a Tailored Public Liability Quote Today
Public Liability limits typically range from £1 million to £10 million. The cover you need depends on your industry and client contracts. Let the experts at Compare Quote Save assess your specific risks and match you with a tailored PL policy that meets your demands. For all of your public liability needs, you can call us today on 0208 539 6010 or you can start your quote here.
Employers' Liability Insurance
What does it cover?
Employers’ Liability (EL) insurance covers your legal liability for injury or illness suffered by your employees due to their work. This is mandatory under the Employers’ Liability (Compulsory Insurance) Act 1969. EL is designed to cover both immediate accident claims and longer-term claims such as industrial diseases or repetitive strain injuries (RSI) arising from the work environment.
Cover Typically Includes:
Compensation Payments: Pays out damages and associated medical costs if an employee is injured or falls ill and you are found legally liable.
Legal Defence Costs: Covers the substantial legal expenses required to defend a claim in the courts, which can be significant even for unfounded claims.
Who needs Employers’ Liability Insurance?
This cover is a legal requirement in the UK.
You must have Employers’ Liability insurance if you employ staff, even if they are temporary, casual, apprentices, or working part-time. The legal minimum is £5 million cover, though most policies offer £10 million as standard.
Failure to have adequate EL insurance can result in a fine of up to £2,500 for every day you are uninsured.
The only key exception is if the business is run by a sole director who owns 50% or more of the share capital.
Ensure Your Legal Compliance
Don’t risk legal penalties. If you employ anyone, you need this cover now. Call Compare Quote Save on 0208 539 6010 to instantly check your compliance and obtain a legally compliant Employers’ Liability policy.
Products Liability Insurance: For Manufacturers & Suppliers
What does it cover?
Products Liability (PDL) insurance protects your business against claims arising from injury, death, or property damage caused by a defect in a physical product you have supplied. In the UK, liability can apply to anyone in the supply chain, meaning you can be held responsible even if you didn’t manufacture the item.
Cover Typically Includes:
Compensation Payments: Damages and compensation payments resulting from a faulty product (e.g., a defective component causing a fire).
Legal Costs: All necessary legal and defence costs incurred when investigating and responding to a claim or recall.
Who needs Products Liability Insurance?
If you are involved in the supply chain of a physical product, you need PDL, particularly if you have international exposure.
Manufacturers (who create the product).
Wholesalers and Importers (who bring products into the UK, as they often assume the manufacturer’s liability).
Retailers (who sell products under their own brand name).
Any business that repairs or modifies products, as their work can create a new liability exposure.
Review Your Supply Chain Risk
If your business designs, manufactures, or imports goods, you face a heightened liability risk. Contact Compare Quote Save today for expert advice on setting your Products Liability limit and ensuring your cover extends to international sales.
Property Owner's Liability: Essential for Landlords
What does it cover?
This cover is a critical component of Landlord Insurance. It covers your legal exposure as the owner of a rental property for incidents occurring on the premises that cause injury or property damage to tenants or visitors. This usually covers common areas or structural defects you are legally responsible for maintaining.
Cover Typically Includes:
Legal Defence Costs: Covers legal expenses if you are sued by a tenant, visitor, or managing agent.
Compensation Payments: Payments if you are found liable for a personal injury (e.g., a trip hazard from a communal area light fixture or a faulty roof causing damage to a neighbour’s property).
Who needs Property Owner’s Liability?
This cover is mandatory if you have a mortgage on a rental property and is needed by:
Residential Landlords with single properties, Houses in Multiple Occupation (HMOs), or large portfolios.
Commercial Landlords letting out office units, retail units, or industrial spaces.
Review Your Property Liability Limits
Don’t let a maintenance defect turn into a catastrophic claim. Compare Quote Save specializes in Landlord risks and can ensure your Property Owner’s Liability limit is sufficient for your portfolio size and location. Call our London team for a review.
Frequently Asked Questions about Liability Insurance
To give you complete confidence in your legal compliance, we’ve compiled answers to the most common questions we receive regarding Employers’ Liability requirements, setting appropriate cover limits, what happens with subcontractors, and key exclusions like professional negligence. If you can’t find the specific information you need below, call us on 0208 539 6010 and our expert team will be more than happy to help.
"Any One Claim" means the maximum amount the insurer will pay for a single event. "Aggregate" means the maximum amount the insurer will pay for all claims combined during the entire policy period.
No. Liability insurance (Public, Employers', Products) covers physical injury or property damage. Cover for financial loss caused by professional negligence or bad advice requires a separate policy called Professional Indemnity Insurance.
The limit is determined by your exposure to risk. Factors include industry regulations (e.g., minimums required by trade bodies), contract requirements from your clients, and the potential severity of a major incident. We help you assess this.
It depends on their employment status. If you are deemed to control their work, provide the tools, and dictate hours (even if they issue an invoice), they are legally seen as "deemed employees" and must be covered by your EL policy. If you are unsure and would like some advice, contact the team today on 0208 539 6010.
You are legally required to display your EL Certificate of Insurance where employees can easily read it. This is usually electronically or on a prominent notice board. You must keep all previous certificates for 40 years.
If you are the first entity to import goods into the UK (even from the EU after Brexit), you legally assume the same liability as the original manufacturer for those products. Your Products Liability policy must reflect this exposure.
Ready to Protect Your Business from Liability Risks?
Don’t leave your business compliance and financial stability to chance. Contact the specialist team at Compare Quote Save today to discuss your Public, Employers’, and Products Liability needs. Our London-based brokers are here to provide tailored advice, manage your liability risk profile, and obtain a competitive, no-obligation quote. Call the Compare Quote Save team on 0208 539 6010 or fill out our online form to get started.
