Liability Insurance

Liability Insurance from the UK’s leading Insurance Companies

Compare quotes and buy online in minutes, or call us for expert advice.

Whether working from home, from dedicated business premises, as a manual Tradesman, or as a Professional you need Public Liability Insurance. If you have employees, you need Employers’ Liability Insurance and whenever you sell a product you should arrange Product Liability Insurance too.

We can quote for each of these types of Liability Insurance either on our website or via our office. Quotes are available the same day for the vast majority of occupations.

Professional Liability Insurance

Compare quotes online and if you choose to purchase your policy we will email your policy documents to you straight away.

Key Features of our Professional Liability Insurance policies:

  • Employer’s Liability – £10m
  • Public Liability – £1m, £2m or £5m
  • Product Liability – £1m, £2m or £5m
  • Over 500 professions available online
  • Instant cover and policy documents
  • Limited Companies, Partnerships, LLP’s and Sole Traders

Tradesman’s Liability Insurance

If you are a Builder, Carpenter, Electrician, Roofer, Gardener, Plumbers, Heating and Ventilation expert or any other ‘manual’ based professional call us for a quick Liability quote on 01270 252 252. We have a panel of top UK Insurers that we use to obtain competitive quotes, very quickly. You can place cover immediately and we’ll send your documents and proof of cover straight away.

Key features of our Liability Insurance Policies for Tradesmen

  • Employer’s Liability – £10m
  • Public Liability – £1m, £2m or £5m
  • Product Liability – £1m, £2m or £5m
  • Tools cover
  • Personal Accident
  • Wide range of trades
  • Instant cover

What is Liability Insurance?

There are 3 main types of Liability Insurance available; Public Liability, Product Liability and Employers Liability. If you are unsure what cover is provided by the various liability policies please see below:

Public Liability Insurance

This covers your legal liability for death or bodily injury to the public (third parties) and loss or damage to third party property not owned by you or in your custody or control. It is crucial cover to anybody who has visitors to their premises or who visit clients premises.

Product Liability insurance

We believe that, whilst this cover is not compulsory, it is essential to any business engaged in manufacturing or supplying goods to a third party.

The policy covers your legal liability in respect of personal injury or damage to property arising from the sale or supply of products specified in the policy.

Employers Liability Insurance

If you employ temporary or permanent staff you may be legally required to have Employer’s Liability Insurance. This insurance covers you if you are found to be legally liable for injury or damage to an employee or their property.

Do you need Employers Liability Insurance?

If a business employs people to work for that business then they must have Employers Liability insurance cover. It is a requirement by law under the ‘Employers Liability (Compulsory Insurance) Act 1969′. It is an offence to employ someone without taking out Employers’ Liability insurance.

The ‘Employers Liability (Compulsory Insurance) Amendment Regulations 2004′ gives a couple of exceptions to this requirement.

  • Sole-Employee Incorporated Companies (SEIC) do not have to purchase EL cover (SEIC – A Company that has only one employee with that employee also owning 51% or more of the issued share capital in that company).
  • Also family businesses do not need Employers Liability cover if all employees are closely related to the employer (as husband, wife, civil partner, father, mother, grandfather, grandmother, stepfather, stepmother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother, sister, half-brother or half-sister). However, this exemption does not apply to family businesses which are incorporated as limited companies.

Employers Liability for LLP’s (Limited Liability Partnerships)

Whether or not an LLP will need Employers Liability insurance depends upon the status of the persons within the LLP in question. If there are LLP Members and also employed staff, then clearly Employers Liability cover is needed in respect of the employees. The position is less clear when the business is operated solely by LLP Members. In such a scenario, it appears to depend upon what position that person would have had if the business was an ordinary partnership rather than a limited liability partnership. If that person would have been a Partner, then employers liability would not be required.

In addition, consideration is likely to be given as to whether the individual has signed an LLP Members agreement, whether they were entitled to a discretionary distribution of surplus profit and whether they were entitled to share in the proceeds of a sale of the LLP or in its winding up. Those factors assist in determining whether the individual is more akin to a Partner or employee. These factors are essentially legal arguments and we would recommend that you seek independent legal advice if you are at all unclear as to the status of personnel within your business.

John Heath Insurance Brokers LLP
      01270 252 252
Arrowscroft, 142 Nantwich Road       office@johnheath.com
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If you have any queries regarding the online quote system please call us on 01270 252 252 and we will happily guide you through it.


 

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