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Liability Insurance - Top February Online Offers
| Provider | Notes | |
|---|---|---|
 www.first4tradesinsurance.co.uk |
First4 Trades Insurance offers a full range of commercial insurances to most UK business types. | more info » |
 www.quotezone.co.uk |
Get business insurance quotes for public liability, professional indemnity, landlords, tradesman, shop, office, restaurant, pub and many more. Get quotes from specialist providers! | more info » |
 www.directline.com |
Our Home Business Insurance is suitable for a wide range of businesses or individuals who work out of their home or outbuildings on their property, or at their clients property. | more info » |
 www.simplybusiness.co.uk |
Flexible public liability insurance for less. Choose your cover levels and compare quotes. Up to 50% no claims discount and UK contact centre. | more info » |
Liability insurance allows businesses, public organizations and suppliers to be prepared in the case of legal action being taken against them. If a customer becomes injured on your property and legal action is pursued by that third party then liability insurance covers the costs of this legal action. Liability insurance can be broken down into three sections: public, employer and product liability insurance. Public liability cover is most often linked to pubs, museum and shopping centres because of the large number of people entering and leaving these properties at leisure. Employer liability is when an employee is injured in their time of working for the business. Product liability insurance protects companies from legal action when a product accidentally harms a member of the public.
Why do I need Liability insurance?
Liability insurance helps soften the blow when an accident occurs. Legal action can turn out to be very expensive to defend yourself against and for smaller businesses it can sometimes be a cause of bankruptcy. With liability insurance the risks of bankruptcy is greatly reduced and business can operate as normal. Companies without employer insurance face not only financial problems but often very hard decisions to make when an employee has an accident while at work; with liability insurance this becomes much easier and compensation does not have to weigh heavily on the shoulders of the employer. The world of work and business can be naturally risky, but there are some risks that need to be taken into account when considering the security of your business. Liability insurance allows employers and businesses to not worry about the worst that could happen, allowing them to concentrate on nurturing and growing the business.
