Employers & Public Liability

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.

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Why choose us?

  • Free review of your current insurances
  • No obligation quotations
  • Dedicated Account Executive
  • Available by Telephone & Email
  • A friendly & knowledgeable team
  • No call centres
  • Access to a range of well known insurers
  • Support in the event of a claim

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.

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