Comprehensive Liability Insurance Protection
Liability insurance is one of the main types of business insurance, covering compensation payments and legal costs if a member of the public — a customer, supplier, or passer-by — decides to sue your business because they have been injured or their property has been damaged.
Liability sits at the heart of what we place. Across 50+ years and 50,000+ UK clients, we've written liability cover for every scale of business — from one-person trades to multi-site operations. Our FCA-regulated team works with underwriters who understand how liability risk actually plays out in different industries, not just on paper.
Types of Liability Cover
Public Liability Insurance
Covers compensation and legal costs if a third party — a customer, supplier, or passer-by — is injured or their property damaged by your business. Essential for anyone who deals with the public or works on client premises.
Employers Liability Insurance
Legally required for most UK businesses with employees. Covers compensation claims from staff injured or made ill through work — fines for non-compliance can reach £2,500 per day uninsured.
Product Liability Insurance
Covers claims arising from injury or damage caused by products your business supplies or manufactures. Critical for retailers, wholesalers, and manufacturers putting products into the market.
Who We Cover
From builders and contractors to caterers and cleaning businesses, online retailers and pubs — liability cover applies to almost every kind of trade that deals with customers, suppliers, or the public. We've placed it for home bakers, beauty salons, roofing firms, takeaways, and hundreds of other business types where the risk of a third-party claim is a daily reality.
Get liability cover built for your business
Speak to our FCA-regulated specialists for a tailored liability quote — we'll match you with an underwriter who understands how your specific industry actually operates, not one rating from a generic template.