Liability Insurance2022-05-24T10:33:44+01:00

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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.

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.

How much does liability insurance cost?2022-05-24T10:30:30+01:00

The answer will depend on several factors, including:

  • The size of your business – if you have a large business with valuable contracts, you might face higher costs.
  • The number of employees – more employees typically means paying a higher premium.
  • The location of your premises – if you have an office in an area with high crime rates, for instance, your premium may be more expensive.
Is liability insurance a legal requirement?2022-05-24T10:29:10+01:00

As a small business owner, you are legally required to have employers’ liability insurance. In contrast, public liability insurance and products liability cover aren’t legally required; however, you may wish to consider the advantages of having them.

The three products of Commercial General Liability Insurance

  •  Public Liability Insurance – provides cover for either individuals or companies against claims from third parties caused by bodily injury, disease or damage to their property. With Intasure you can get up to £5million Business Public Liability Insurance.

  •  Products Liability Insurance – provides cover against liabilities arising out of injuries to third parties or damage to their property caused by goods supplied, sold, tested, serviced or repaired this includes the sale of food and beverages. At Intasure we offer businesses cover of up to £5million for products liability insurance.

  •  Employers Liability Insurance – This is the only compulsory form of liability insurance* that is governed by statute, namely the Employers’ Liability (Compulsory Insurance) Act 1969. As an employer, you are responsible for the health and safety of your employees while they are at work. Even family members, unpaid helpers and volunteers are considered to be employees, especially if your business is profiting from their work. At Intasure, we can provide you with cover of up to £10million for employers’ liability insurance.

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.


*This provides you with a summary of the cover, Policy limits and exclusions may apply. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.

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