Most businesses have a legal obligation to have liability cover in place. Our team at CJ Insurance can discuss which type of liability insurance is right for you and your business.
Employers have a significant responsibility to provide a safe system of work, and employers’ liability is arranged to cover your legal liability to your employees including sub-contractors, apprentices and even volunteers. It is a legal requirement to hold £5 million of cover but most insurers offer £10 million providing clients can demonstrate a high level of risk management.
Premiums are generally rated on annual wages and categorised by the process or contract undertaken. As a result, those exclusively office based, will enjoy a much lower premium level than those working in a manual role.
Public liability covers you against claims made against your business for injury or illness suffered or damage to property.
Holding valid public liability insurance is often a requirement of working for or sub-contracting to another company, and limits vary from £1 million plus with some companies requiring £10 million or even more.
Premiums are based on turnover and again driven by the nature of the work. The greater the exposure to a claim, the higher the premium.
At CJ Insurance we arrange cover for clients across a huge number of occupations, wherever they are in the UK, and would be delighted to see if we can help you.