Liability Insurance
PROTECT YOUR BUSINESS
Running a business is no easy feat. From compulsory employers' liability to product liability, we'll get the cover you need to keep afloat.
Employers’ & Public Liability
Accidents can happen even in the safest environments. Make sure your business is covered in case of any compensation claims by your staff or customers.
Product Liability Cover
If your product or service causes injury, you could be landed with hefty claims. Product liability cover ensures your business can resolve these.
Experts On Hand For All Businesses
We've insured many businesses and traders across the years. With us, you'll get step-by-step guidance and advice on the liability insurance to suit your needs.
Clear. Simple. Sorted.
Clear Communication.
Don't worry about your insurance, that's our job. We will support you by decoding available cover to ensure you can make an informed choice on your policy.
Save Time & Money.
With us, you won't just save on your premium. Our sophisticated tech hunts down affordable quotes in mere minutes, so you can get covered ASAP.
Get Started at Staveley Head
Leading business insurance broker for over a decade.
Policies available from over 49+ reputable insurers.
With all our knowledge & experience, we'll always steer you on the right path. Find out how it works below and how to get started.
Pick your insurance type.
Find the insurance you need here. Choose from commercial and personal policy types provided by our trusted insurers.
Click here to get a quote.
After you've pressed the button, we'll use our tech to compare the most competitive quotes for the cover you need.
Get insured. Fast.
Leave it to us to do all the hard work to get you covered, so you can hit the road with peace of mind.
Overview
Liability Insurance
Having a liability insurance policy is absolutely essential to avoid putting your business in jeopardy.
Whether you need a policy for public or employer’s liability, we’re here to help. At Staveley Head, we understand this necessity and work with the nation’s leading insurers to ensure that you get the perfect policy for you and your business.
What Types Of Liability Insurance Does My Business Need?
The main types of liability insurance suitable for a business are:
- Public liability insurance
- Employers’ liability insurance
- Product liability insurance
Liability insurance can be purchased as part of a larger business insurance policy, or it can be purchased as a standalone policy.
What Is Public Liability?
Public liability covers your business if someone is injured or their property is damaged because of your business activities.
For example, if a customer slips and falls in your shop, public liability insurance would cover the costs of any resulting legal claims.
What Is Employer’s Liability?
Employer’s liability is a legal requirement if you have employees. It covers your business if an employee becomes ill or injured because of their work and, as a result, claims compensation.
Your business insurance alone won’t cover this type of risk, unless you opt specifically to add liability coverage. The risks it can cover include a range of issues depending on your policy, such as but not limited to injuries from accidents or illnesses caused by workplace conditions.
What Is Product Liability?
If a product you sell causes injury or damage to a customer, product liability will protect your business against legal claims.
From manufacturers to wholesalers, retailers, and even online sellers, we recommend that any business manufacturing and selling products to consumers get product liability insurance.
Is It Compulsory To Have Liability Insurance?
If you employ anybody in any capacity, it’s a legal requirement to have an employer’s liability insurance policy in force. It is an important type of insurance for companies of all sizes, even very small independent businesses.
Public liability and product liability are not compulsory. However, they are extremely important and will be seen by many businesses you may partner with as a minimum requirement to fulfil contractual negotiations.
How Much Is Liability Insurance for My Business?
Your customers and your staff need to know that you have something that will guarantee the safety of you both, but it doesn’t have to come at a huge cost.
With our extensive experience in insurance, our experts work hard to get the best deals and deliver some great savings. Call us today on 0800 0815 026 for a liability insurance quote for your business to get immediate cover.
What You Can Expect From Us
Why choose Staveley Head to insure your business?
You'll always get top tier service with us. Here are just some of the benefits and features you will get:
- 01
Experienced Liability Insurance Broker
We’ve been a leading liability insurance broker for over a decade.
- 02
Reputable Liability Insurers
We work with some of the UK’s most reputable insurance companies.
- 03
24-hour, UK-based Claims
Our 24-hour, UK-based claims team are here when you need them.
- 04
Extras & Add-Ons
Optional extras such as commercial legal expenses are available.
- 05
Advisory Service
As an authorised advisory service, we use our expertise to recommend suitable policies.
- 06
Affordable Quotes
It’s quick and easy to get a quote for liability insurance on the phone.
We offer monthly payments on all our policies. However, as the premium is usually low, it will make more financial sense to pay for your cover in one go.
While it’s not a legal requirement for self-employed people to have public liability cover, it’s a worthy investment.
Especially if you’re just starting a business or operating on a smaller scale, as one compensation claim could cause financial ruin.
The UK government requires all businesses with staff to have employer’s liability cover for at least £5 million. There is no strict number for public liability, as the amount you need depends on the size of your business and the type of work you do.
We’ve found liability policies for numerous types of businesses, so we can do the hard work tracking down policies and advising on the cover you need. Start the ball rolling and call 0800 0815 026 for your quote and to start your application.
Frequently Asked Questions
Here are some of the most common queries we get asked about liability insurance.
Can’t find what you’re looking for? Reach out to us by calling 0800 0815 026 to chat with our team.
More FAQs
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