Not so long ago, when all insurance was done via a broker, there was a clear line between employers liability insurance and public liability insurance. Public liability insurance was insuring you and / or your staff against any claim made by the general public, whereas employers liability insurance covered you or your company against claims made by members of your staff. The advent on online insurance has allowed the insurance companies to build more complex products that offer both of the above types of cover together with other benefits. These products are variously called business insurance or tradesman's insurance or liability insurance. The public liability insurance page has business insurance from all of the leading online insurers. Basically the insurers will now build a product containing whichever elements you require.
If you employ staff, however small the company, it is a legal requirement to take out employers liability insurance, so that you and they are protected if they need to claim as a result of some act or omission of yours.
We are delighted to be working with 4 of the UK's leading employers liability insurers.
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