Liability insurance

If you run a small business, you’ll understand that there are a number of risks that could affect your ability to trade.

Liability insurance serves to help mitigate against a handful of these risks. Without public liability cover, your business could face costs you simply can’t afford. Here at Intasure, we provide insurance for a variety of trades. Keep reading to learn more or request an instant quote below.

What is liability insurance?

Liability insurance can protect your business from operating risks, including the cost of compensation for claims of negligence brought against you by employees, clients, customers, or members of the public.

What industries do we provide liability cover for?

Click the links below to learn about the liability insurance in your sector that we can provide.

• Public liability, products liability, and employers’ liability insurance up to £10 million.
• Builders’ liability insurance – Public liability, products liability, and employers’ liability insurance up to £10 million.
• Joiner and carpenters’ liability insurance – Public liability, products liability, and employers’ liability insurance up to £10 million.
• Electricians’ liability insurance – Public liability, products liability, and employers’ liability insurance up to £10 million.
• Flooring contractors’ liability insurance – Public liability, products liability, and employers’ liability insurance up to £10 million.
• Gardeners’ liability insurance – Public liability, products liability, and employers’ liability insurance up to £10 million.
• Heating engineers’ liability insurance – Employers’ liability insurance up to £10 million. Public and products liability up to £5 million.
• Installers’ liability insurance – Public liability, products liability, and employers’ liability insurance up to £10 million.
• Painter and decorator liability insurance – Public liability, products liability, and employers’ liability insurance up to £10 million.
• Plasterers’ liability insurance – Public liability, products liability, and employers’ liability insurance up to £10 million.
• Plumbers’ liability insurance – Public liability, products liability, and employers’ liability insurance up to £10 million.
• Property maintenance liability insurance – Public liability, products liability, and employers’ liability insurance up to £10 million.

What does liability insurance cover?

Liability insurance includes three cover types:

• Public liability insurance
• Products liability insurance
• Employers’ liability insurance

Public liability insurance

Small trade businesses naturally meet with clients, the public, and other stakeholders. Therefore, you have a legal responsibility to ensure the safety of any third parties while at work.

Whether you’re a heating engineer or a plumber that visits people’s homes, you’ll want to undertake work safely and leave the property in a safe condition. Not doing so could potentially lead to negligence and a compensation claim. For instance, a customer tripping over an ill-set toolbox, causing injury.

In these scenarios, public liability insurance acts as your safety net, covering the costs associated with legal fees and compensation claims—even if you’re not at fault. Remember, you might need to defend your business in court, which often comes at great expense.

Products liability insurance

Products liability can cover small businesses that sell material products to their customers. It’s often critical when a customer claims the product hasn’t met their specifications or a design defect leads to injury. For instance, a floorboard collapses, causing extensive damage to a living room.

It also covers situations where poor safety instructions lead to a client suffering injury when installing or using your product, such as outdoor furniture sold by a gardening company.

Products liability insurance typically covers:

• Manufacturing or production flaws.
• Design defects.
• Failure to warn.

Employers’ liability insurance

Whether you hire 5 or 500 employees, you need employers’ liability insurance. The government requires all businesses that employ at least one employee to have this insurance.

Employers’ liability insurance is there to financially protect your staff when injury or damage is caused at work. For instance, an employee might trip on a box that isn’t correctly stowed away, or poor health and safety training leads to them harming another staff member. In either case, your business could face legal action. Employers’ liability insurance can ensure that you have the financial support to handle these situations, including covering compensation costs.

Who do we offer liability cover for?

We cover self-employed tradespeople, SMEs, and limited companies. Get in touch with us today to enquire about liability insurance for your business.

Why choose Intasure?

Occasionally, things go wrong. But with liability insurance by your side, you can ensure that when the worst happens, you can be financially protected.

Intasure are part of Gallagher Insurance who:

• Are a specialist insurer with experience supporting multiple industries.
• Can create policies which are tailored to the individual with optional covers.
• Have a dedicated customer service team.

Call Gallagher today 01384 943 094 to discuss your needs or click the button below to get a quote online.

Liability Insurance Frequently Asked Questions

Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.

Intasure Customer Reviews

Get insured with Intasure

At Intasure, we have many years of experience in providing our customers with General Liability Business insurance, as well as Combined Commercial and Commercial Property Insurance. We listen to you and get to know your business so that we can offer you Commercial General Liability Policy at a competitive rate.

A wide variety of trades and occupations can be covered. Contact our sales team direct on 01384 943 094 to discuss your needs, as there are some professions we are unable to cover.