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Public Liability Insurance & Employers Liability Insurance Information

The information on this page relates to our public liability insurance product.

What is public liability insurance and is it a legal requirement?

Public liability protects you and your business against claims brought against you by other people. It covers you for any injury to any other person or damage to their property while you are going about your business activities. The cover also extends to cover products supplied by you in your business.

Cover is available from three choices of £1m, £2m or £5m.

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What is Employers Liability Insurance?

Employers liability insurance covers you if any of your employees have an accident at work and making a claim against you. Employers liability helps meet the costs of compensation or legal fees for employees who are injured or made ill at work through the fault of the employer.

It is important to bear in mind that these compensation and legal costs must be met by the company even if it is closed or goes into liquidation. Sometimes private cases are brought up if a business cannot supply the funds to meet these requirements. This makes employers liability insurance very appealing even if you do not fall into the category of legally requiring it.

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Is public liability a legal requirement?

Public Liability is not a legal requirement but it is good business practice. Local authorities will generally demand a minimum level of £2m for works to be undertaken at their premises or on their behalf.

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Is employers liability a legal requirement?

It is a legal requirement to hold employers liability insurance following legislation passed by the government in 1969. The following rules dictate whether employers liability is required:

  • If you are not a limited company, then employers liability is required whenever you have staff - that is people who work for you excluding business partners or family members. Labour-only subcontractors are considered to be staff. These include any person working under your guidance and using your tools and equipment.
  • If you are a limited company consisting only of yourself, and manual and clerical staff, where you own more than 51% of the business, then employers liability insurance is not required.
  • If you are a limited company consisting only of yourself, and manual and clerical staff, but own less than 51% of the business then employers liability insurance is required.
  • If you are a limited company with more than one person then employers liability insurance is always required.

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How much employers liability cover do I need?

Typically £5 million is the minimum legal requirement for employers liability.

Our policy option gives £10 million employers liability insurance as standard. This makes sure that a good margin is given in the event of a claim.

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How many trades do you cover?

Whilst the list is growing all the time, we currently provide public liability cover for over 140 trades. For tradesmen and contractors we offer public liability insurance for everyone from Aerial installers to Window cleaners, while for professionals we can provide public liability for Accountants to right down to Word processors.

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What trades do you cover?

Currently, public liability and employers liability is available for the following trades:

  • Abseiling Contractors
  • Accountants Or Bookkeepers
  • Acoustic Engineers
  • Actuarial Consultancy
  • Actuary
  • Administration
  • Advertising
  • Advertising Agency
  • Advertising Consultancy
  • Aerial & Satellite Dish Erectors
  • Aerobics/Fitness Instructors Ex Sports Trainers
  • Agricultural Consultancy
  • Air Conditioning Engineers
  • Alarm Installers
  • Architects
  • Artexers
  • Artistic Painters, Sculptors or Potters
  • Auditing
  • Author
  • Barrister
  • Bathroom Installers
  • Beauticians
  • Boiler Services
  • Bricklayers
  • Builders
  • Business Consultants Or Advisors
  • Canvassers
  • Car Valeters
  • Carpenter
  • Carpet Fitter
  • Cartoonist
  • Caterers
  • Cavity Wall Insulators
  • Ceiling (Inc Tiling) And Partitioning Contractors
  • Ceramics And Pottery
  • Chimney Sweeps
  • Chiropodists
  • Cleaners - Domestic And Office (Internal)
  • Clerical Services
  • Composer
  • Computer Consultants
  • Computer Repairs & Maintenance
  • Computer Software Developers & Consultants
  • Concrete Repair and Drilling
  • Conservatory And Porch Erectors
  • Construction Plant Repairs
  • Conveyancing
  • Couriers
  • Curtain And Blind Fitters
  • Damp Proofing Installers
  • Data Cable Installers
  • Desktop Publishing Services
  • Dog Walkers & carers
  • Domestic Electrical Appliance Servicers
  • Domestic Helps/ Home Helps
  • Double Glazing Contractors
  • Drain Cleaners
  • Drilling Contractors
  • Driving Instructors (Private car only)
  • Draughtsman
  • Dressmakers
  • Dry Stone Walling
  • Ductwork Installation
  • Editorial Consultancy
  • Electricians
  • Exhibition Stand Erectors
  • Fencing Contractors
  • Financial Advisory Service
  • Financial Services
  • Fire Equipment Supply and Maintain
  • Fitted Furniture Installers
  • Floor Tilers
  • Flooring Contractors
  • Flower & Plant Arrangers
  • Fork Lift Truck Servicing, Training and Maual Handling
  • French Polishers
  • Garage plant Installers
  • Gardeners - Landscape And Domestic
  • Gas Fitters
  • Glaziers
  • Graphic Designers
  • Grave Diggers
  • Grit Blasters
  • Ground Workers
  • Guttering and Facia Board Installers
  • Gym Equipment Installers
  • Hairdressers
  • Haulage Contractors Excl Cycles/Motorcycles
  • Health and Safety Advisors
  • Heating Contractor
  • High Pressure Water Washing
  • House Sitters
  • Hydraulic Engineers
  • Insulation Contractors
  • Insurance
  • Insurance Agents Or Consultants
  • Interior Designers
  • Investment
  • Investment Banking
  • Investment Consultancy
  • Investment Management
  • Joiners
  • Kerb and Paving Layers
  • Kitchen Installers And Fitters
  • Landscaping Contractors
  • Legal
  • Licensing Consultancy
  • Lift Engineers
  • Linguistics
  • Locksmiths
  • Loft Insulation
  • Machine Dismantling/Installation
  • Market Research
  • Market Trading (Equity & Stock Markets)
  • Marketing
  • Marketing Consultancy
  • Mastic Sealant Contractors
  • Milk Delivery Roundsmen
  • Mortgage Broking
  • Music Publisher
  • Non Destructive Testers
  • Non Manual Site Supervising
  • Office/ Shop Equipment Servicing
  • Painters And Decorators
  • Partition Contractor
  • Path, Patio And Drive Laying
  • Pest Controllers
  • Photographers
  • Piano Tuners
  • Pipe Fitters
  • Plasterers/Pebble Dashers
  • Playground Equipment Installers
  • Plumbers And Heating/Ventilation Engineers
  • Property Maintenance
  • Public Relation Consultancy
  • Public Relations Officer
  • Publicity Management
  • Quantity Surveyors
  • Refrigeration Engineers
  • Removal Contractors
  • Research Consultancy
  • Road Surfacing and Road Marking Contractors
  • Roller Shutter Door Installation
  • Roofing
  • Scaffolders
  • Screenwriting
  • Script Writing
  • Security Personnel
  • Secretarial Services
  • Shelving and Racking
  • Shopfitters
  • Shot Blasting
  • Shuttering and Formwork Contractors
  • Signwriters And Erectors
  • Solicitors
  • Sprinkler Installers
  • Statisticians
  • Steel Erectors/Fabricators and Reinforcers
  • Stockbroking
  • Stone And Monumental Masons
  • Street Furniture Engineers
  • Surveyors Of Buildings
  • Swimming Pool Installers
  • Tax Consultancy
  • Taxi Drivers
  • Teachers and Private Tutors
  • Telecommunications Consultancy
  • Telegraph Pole and street lighting Installation
  • Telemarketing
  • Telephone Answering Service
  • Telephone Engineers
  • Telesales
  • Telex Bureau
  • Textile Consultancy
  • Theatre And Ticket Agency
  • Ticket Agency
  • Timber Treatment
  • Town Planning
  • Training Consultants
  • Translation
  • Tree Fellers
  • Typing And Copying Bureau
  • Underwriting Agency
  • Valuation - Real Estate
  • Vehicle Audio/ Phone Installation (mobile only)
  • Vehicle Windscreen Fitters (mobile)
  • Wall Tilers
  • Water Teatment Contractors & maintenance
  • Welding Contractors
  • Wheelie bin Cleaners
  • Window Cleaners
  • Word Processing

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What is an ERN and where can I find it?

All employers are given a unique Employers Reference Number (ERN) by HM Revenue and Customs (HMRC) when they register as an employer. This reference is sometimes also referred to as the Employers PAYE reference. It usually takes the form of a 3 digit number HMRC office number followed by a reference number unique to your business.

It appears on most correspondence you receive from HMRC (including your welcome pack from them) and is also used on any P60s and P45s that are issued to your employees.

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