Liability Insurance
Employers’ liability insurance
Employers’ liability insurance is actually compulsory for businesses in the UK. It covers the cost of compensation and legal fees for employees who are injured or become ill at work through the fault of the employer.
If someone is injured or becomes ill at work as a result of you or your business it can lead to serious consequences:
· Employees can seek compensation (this is the case even if the business goes into receivership)
· The NHS can claim for the costs of any hospital treatment incurred as a result of the injury/illness sustained by the employee.
Employers’ liability insurance will protect you from all of the above and premiums can cost from just £60 per year. Let Clever Zebra’s insurance partner take away the headache of finding the right deal for you. Fill out an online application form to get a quote. If you would like to speak to someone on the telephone Clever Zebra has teamed up with Quoteline Direct to provide expert support – call now on 0800 089 0481.
Public Liability Insurance
The main purpose of public liability insurance is to cover your business if someone is accidentally injured by you or your business operation.
If your business involves customers visiting your premises (including your home if you work from home) then you should consider taking out public liability insurance.
Taking out public liability insurance means that any legal fees that result from claims made against you should also be covered.
Due to the tightening of European Union commercial and human rights legislation it has never been more important to make sure that your business has adequate protection.