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Public & Employers Liability

Public Liability Insurance- covers you against loss or damage to other people's property and against injuries caused to members of the public as a result of the actions of your business. The amount the insurance company will pay in the event of a claim is known as the limit of indemnity. Public Liability insurance limits are usually up to £5m. However, sub-contractors, particularly those working for local councils and for government, will usually be asked to increase the limit to £10m or more.

Employers' Liability - Once you've employed somebody it's your  legal responsibility to take out Employers' Liability Insurance. Despite a legal requirement of a minimum of £5m of cover, most BC365-recommended policies provide £10m cover as standard. Taking out Employers' Liability Insurance gives you cover against legal liability for bodily injury, illness or disease sustained by an employee in the course of his or her employment.

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