Liability Insurance

Employer's Liability Insurance

Employer's Liability insurance is a statutory requirement for all businesses who have employees either direct or sub-contractors. A business has to keep details of their Employer's Liability Insurance for 40 years. If you are buying a business, as part of the diligence the insurance history must be investigated. If you can't establish the past insurers, then you may have a claim from a past employee and, if this is a serious industrial disease, your business may be responsible for a very large insurance claim.

Public Liability Insurance

Public liability insurance provides protection against insurance claims from a third party, for example, if someone injures themselves due to the fact that your building is dangerous.

Products Liability Insurance

Some USA buyers especially the larger companies that buy your goods for resale may impose special requirements for Products Liability and request proof in the form of an insurers endorsement or an ‘Acord Form’.  We can advise on this.