• Liability Insurance
  • Business Insurance : Liability Insurance

  • Liability Insurance

    Vital protection for any trade or service up to £10million

  • Our range of solutions for Liability Insurance includes options for any industry, organisation or service.

    Our policies provide solutions for tradespeople, business owners, employees and public service organisations in low or high risk environments.

    We offer solutions such as Employer’s Liability Insurance, Public and Product’s Liability Insurance, Directors and Officer’s Liability Insurance and Employment Practices Liability Insurance as the main components. 

  • Employer’s Liability Insurance is one of the main types of business insurance. It protects a businesses against any claims for injury or illness by staff as a direct result of their work. If you run a small business, own commercial property or run your business from home, you will need employers’ liability insurance.

    In most cases, you should be insured for at least £5million. This insurance cover is required by law, and you should post details of the insurance certificate for employees to see. Find out why you need Employer's Liability Insurance now.

    Public Liability Insurance protects against a customer’s injury or damage to possessions as a result of your work or premises. Although this is not a legal requirement, public liability insurance is important for any business that interacts with members of the public or other businesses. This insurance also covers you for any 3rd party claims against your business.

  • Directors and Officers Liability Insurance, provides protection from being sued, or suffering losses through individual acts of negligence by an employee. Directors and Officers Liability Insurance is not mandatory, but it can help protect businesses from any breaches in local market restrictions or regulations in foreign territories. Directors and Officers Liability Insurance will particularly help business that operate internationally.

    Employment Practices Liability Insurance protects against employment practice violations, such as unfair dismissal, and discrimination. This type of insurance is not mandatory, but if you are accused of any of these violations, this insurance covers any costs associated with employment claims.

  • In many different business industries Employer's Liability and Public Liability Insurance products will be relevant and important to consider. Specific insurance industries that Bluedrop cover where you should consider these products include Fleet Insurance, Landlord Insurance, and Commercial Insurance for Construction, Manufacturing and Retail.

    Liability Insurance protection can also be provided against a whole range of claims relating to health, public safety, data protection, disasters, and much more. See our full list of Liability Insurance products below.

    • Our Liability Insurance includes...

    • Liability Insurance products:

      • Personal Accident
      • Employer's Liability
      • Public and Products Liability
      • Cover for Non Executive Directors
      • Emploment Practices Liability
      • Pollution Defence

      Liability Insurance features and options:

      • Cover up to £10million
      • Instant quotes
      • Low excess
      • Great rates for small businesses
      • Legal expenses
      • Flexible payment terms
      • Dedicated UK based Sales Team
      • Discounts for multiple policies
    • We also provide Professional Indemnity, covering:

      • Protection against Libel or Slander
      • Cover against loss or damage of documentation
      • Negligence in service protection
      • Cover for infringement of intellectual property rights
          • We provide the three main liability insurances such as public liability, employers liability and public liability insurance. These are the core liability covers to protect from public, product and employment claims. Including injury and employee’s negligence.

            Do I need liability insurance?

            If you have over one member of staff or trade to the public, you will likely need to either by law or to protect your business, have Public, Product or Employers Liability cover.

            Employers are responsible for the health and safety of their employees while they are at work. Any claim made against you can cost hundreds of thousands of pounds, this insurance cover helps to cover any costs made by claims.

            Liability Insurance aims to protect your businesses from spiralling costs from claims caused by injury to the public, employers and from products.

            Exemption

            Requiring Public, Product and Directors and Officers Liability insurance is dependent on the type of business you own. As mentioned, Employers Liability Insurance is the only liability insurance required by law, especially if you have employees.

            Here are some reasons why you might be exempt from having employers’ liability insurance. Such as, if your business is not a limited company, you are the only employee, you only employ close family members, you own a 50% or more share of a business with one other employee. Or finally if your employee supplies their own tools and equipment and your employee doesn’t work exclusively for you.

            Why choose Bluedrop Insurance?

            We are a team of well experienced insurance brokers who are able to assist you with finding the right cover for your business, big or small. We take the time to listen to your business needs and concerns and will arrange a quote to cover everything you need, including additional policy cover that is unique to your business.

          • Get a quote today
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