What is Liability Insurance?

Insuring Against Your Business Liabilities

As a business owner or employer you have a legal responsibility towards your employees, customers and the public. You could be held legally liable and risk being sued if an employee or a member of the public is injured as a result of your negligence or breach of duty. If their personal injury compensation claim is successful, you may also face a claim from the NHS for the costs of hospital treatment (including ambulance costs).

As a result of this, you may be asking yourself questions such as 'What is public insurance' or 'Do I need public liability'?

There are several types of  liability insurance but all of them help cover your legal responsibilities towards your employees, your customers, and the public. More specifically, it helps you pay any compensation claims and legal costs that occur if you or your employees are found to be at fault.

In this section we provide general information about seven types of business insurance policies which cover the various liabilities that your business has.