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Employers & Public Liability Insurance

 

If something goes wrong, Plan Insurance will help put it right. If you employ anyone outside of your immediate family, you are required by law to purchase Employers Liability insurance. We also recommend that you make sure you’re protected against claims made by your customers or members of the public.

Our approach turns risk into peace of mind

  • Protection against Employee’s claims for bodily injury
  • Protection against Employee’s claims for illness
  • Create Liability that meets your company’s exact requirements
  • Extensive Cover
  • Low Costs & Easy Payment facilities
  • Excellent service from experienced staff

Call Plan Insurance Brokers on 0800 542 2742 click Call Me Now to speak to our team for an employers liability insurance quote.

Employers Liability Insurance offers you protection for any liability arising from injury or illness sustained by employees while they are working for you. Click Call Me Now to speak to one of our insurance experts.

Your Employers Liability Certificate of Insurance must be displayed in a prominent place within your business.

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Public Liability – further information

What can Public Liability Include?

Public liability claims can amount to huge sums of money. If you do not have public liability insurance you could be liable to pay the full amount of compensation required to settle any claim.

Failing to take out Public Liability Insurance could put you out of business. With cover starting from as little as £90 a year why take the risk? At Plan Insurance Brokers we can provide public liability cover for over 200 different trades

Typical benefits of a public liability insurance policy include;

  • Protection against 3rd party claims for bodily injury
  • Protection against 3rd party claims for damages to their property
  • Extensive cover available
  • Create liability cover that meets your company’s exact requirements
  • Low costs
  • Flexible payment options
  • Excellent service from experienced staff

Public Liability Info

PL Insurance will protect you against any liabilities arising from a third party (other than your employees) bodily injury or damage to their property that may occur during the normal operation of your business.

Plan Insurance Brokers will take the time to understand your business needs and put together an insurance package to protect your interests. It’s in a simple format, which offers all the basic cover requirements, and important extras you can pick and choose from.

You create a public liability insurance policy that is specifically tailored to your needs. The price is very competitive and it’s very easy to arrange. Call Plan now on 0800 542 2742 or click Call Me Now to ask one of our experts for more information.

This public liability insurance policy is suitable for businesses employing up to a maximum of 10 people (including working partners and proprietors) engaged in manual work. Alternative policies are available for larger organizations.

If you would like to learn more about the topic please visit our comprehensive public liability insurance FAQ page.

Due to the blame culture of the modern business world even the most thorough of companies are susceptible to accusations of negligence. Can your business afford to take the risk of facing huge litigation costs? To learn more speak to Plan Insurance Brokers.

If you work in the motor trade then liability is an important consideration for your business. At Plan we have particularly competitive rates for motor trade liability due to the volume of traders we insure. Arranging a motor trade liability via plan couldn’t be simpler.

What is public liability insurance?

Public liability insurance covers any awards of damages given to a member of the public because of an injury or damage to their property caused by you or your business. It also covers any related legal fees, costs and expenses, as well as costs of hospital treatment (including ambulance costs) that the NHS may claim from you.

Plan Insurance Brokers can offer expert advice on public liability insurance quotes call 0800 542 2742 or click Call Me Now to speak to an expert account handler.

What does public liability insurance cover?

Public liability insurance covers any awards of damages given to a member of the public because of an injury or damage to their property caused by you or your business.

It also covers any related legal fees, costs and expenses, as well as costs of hospital treatment (including ambulance costs) that the NHS may claim from you.

Call Plan Insurance Brokers now on 0800 542 2742 or click Call Me Now for your low cost public liability insurance quote.

  • What can Public Liability Include?

    What can Public Liability Include?

    Public liability claims can amount to huge sums of money. If you do not have public liability insurance you could be liable to pay the full amount of compensation required to settle any claim.

    Failing to take out Public Liability Insurance could put you out of business. With cover starting from as little as £90 a year why take the risk? At Plan Insurance Brokers we can provide public liability cover for over 200 different trades

    Typical benefits of a public liability insurance policy include;

    • Protection against 3rd party claims for bodily injury
    • Protection against 3rd party claims for damages to their property
    • Extensive cover available
    • Create liability cover that meets your company’s exact requirements
    • Low costs
    • Flexible payment options
    • Excellent service from experienced staff
  • Public Liability Info

    Public Liability Info

    PL Insurance will protect you against any liabilities arising from a third party (other than your employees) bodily injury or damage to their property that may occur during the normal operation of your business.

    Plan Insurance Brokers will take the time to understand your business needs and put together an insurance package to protect your interests. It’s in a simple format, which offers all the basic cover requirements, and important extras you can pick and choose from.

    You create a public liability insurance policy that is specifically tailored to your needs. The price is very competitive and it’s very easy to arrange. Call Plan now on 0800 542 2742 or click Call Me Now to ask one of our experts for more information.

    This public liability insurance policy is suitable for businesses employing up to a maximum of 10 people (including working partners and proprietors) engaged in manual work. Alternative policies are available for larger organizations.

    If you would like to learn more about the topic please visit our comprehensive public liability insurance FAQ page.

    Due to the blame culture of the modern business world even the most thorough of companies are susceptible to accusations of negligence. Can your business afford to take the risk of facing huge litigation costs? To learn more speak to Plan Insurance Brokers.

    If you work in the motor trade then liability is an important consideration for your business. At Plan we have particularly competitive rates for motor trade liability due to the volume of traders we insure. Arranging a motor trade liability via plan couldn’t be simpler.

  • What is public liability insurance?

    What is public liability insurance?

    Public liability insurance covers any awards of damages given to a member of the public because of an injury or damage to their property caused by you or your business. It also covers any related legal fees, costs and expenses, as well as costs of hospital treatment (including ambulance costs) that the NHS may claim from you.

    Plan Insurance Brokers can offer expert advice on public liability insurance quotes call 0800 542 2742 or click Call Me Now to speak to an expert account handler.

  • What does public liability insurance cover?

    What does public liability insurance cover?

    Public liability insurance covers any awards of damages given to a member of the public because of an injury or damage to their property caused by you or your business.

    It also covers any related legal fees, costs and expenses, as well as costs of hospital treatment (including ambulance costs) that the NHS may claim from you.

    Call Plan Insurance Brokers now on 0800 542 2742 or click Call Me Now for your low cost public liability insurance quote.

Employer’s Liability – further information

What is employers liability insurance?

Whilst your employees are at work, you are responsible for their health and safety. Your employees may be injured at work, or they or your former employees may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers Liability (compulsory insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.

Employers liability insurance will enable you to meet the cost of compensation for your employees injuries or illness whether they are caused on or off site.

What does employers liability insurance cover me against?

Employers liability insurance, enables businesses to meet the costs of compensation and legal fees for employees who are injured or made ill at work through the fault of the employer. Employees injured due to an employer’s negligence can seek compensation even if the business goes into liquidation or receivership.

The NHS can also claim the costs of hospital treatment (including ambulance costs) when personal injury compensation is paid.

When would I be exempt from the Employers Liability Act?

You need employers liability insurance unless you are exempt from the Employers Liability (Compulsory Insurance) Act. The following employers are exempt:

  • Most public organisations including government departments and agencies, local authorities, police authorities and nationalised industries
  • Health service bodies, including National Health Service trusts, health authorities, primary care trusts and Scottish Health Boards
  • Some other organisations which are financed through public funds, such as passenger transport executives and magistrates’ courts committees
  • Family businesses, i.e if your employees are closely related to you (as husband, wife, father, mother, grandfather, grandmother, stepfather, stepmother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother, sister, half-brother or half-sister). However, this exemption does not apply to family businesses which are incorporated as limited companies
  • Companies employing only their owner where that employee also owns 50% or more of the issued share capital in the company

Health and Safety Executive

If you are unsure whether you are liable for a subcontractors employers liability insurance please contact our Commercial Insurance department on 0800 542 2742 and one of our experienced team will be able to assist you.

How much cover for employers liability insurance do I need?

By law, an employer must be insured for at least £5 million worth of employers liability insurance. Most insurers automatically provide cover of at least £10 million. Employers liability insurance must cover all your employees in England, Scotland, Wales and Northern Ireland.

  • What is employers liability insurance?

    What is employers liability insurance?

    Whilst your employees are at work, you are responsible for their health and safety. Your employees may be injured at work, or they or your former employees may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers Liability (compulsory insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.

    Employers liability insurance will enable you to meet the cost of compensation for your employees injuries or illness whether they are caused on or off site.

  • What does employers liability insurance cover me against?

    What does employers liability insurance cover me against?

    Employers liability insurance, enables businesses to meet the costs of compensation and legal fees for employees who are injured or made ill at work through the fault of the employer. Employees injured due to an employer’s negligence can seek compensation even if the business goes into liquidation or receivership.

    The NHS can also claim the costs of hospital treatment (including ambulance costs) when personal injury compensation is paid.

  • When would I be exempt from the Employers Liability Act?

    When would I be exempt from the Employers Liability Act?

    You need employers liability insurance unless you are exempt from the Employers Liability (Compulsory Insurance) Act. The following employers are exempt:

    • Most public organisations including government departments and agencies, local authorities, police authorities and nationalised industries
    • Health service bodies, including National Health Service trusts, health authorities, primary care trusts and Scottish Health Boards
    • Some other organisations which are financed through public funds, such as passenger transport executives and magistrates’ courts committees
    • Family businesses, i.e if your employees are closely related to you (as husband, wife, father, mother, grandfather, grandmother, stepfather, stepmother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother, sister, half-brother or half-sister). However, this exemption does not apply to family businesses which are incorporated as limited companies
    • Companies employing only their owner where that employee also owns 50% or more of the issued share capital in the company

    Health and Safety Executive

    If you are unsure whether you are liable for a subcontractors employers liability insurance please contact our Commercial Insurance department on 0800 542 2742 and one of our experienced team will be able to assist you.

  • How much cover for employers liability insurance do I need?

    How much cover for employers liability insurance do I need?

    By law, an employer must be insured for at least £5 million worth of employers liability insurance. Most insurers automatically provide cover of at least £10 million. Employers liability insurance must cover all your employees in England, Scotland, Wales and Northern Ireland.

FAQS: Employer’s Liability Insurance

How is the cost of my employers liability calculated?

The cost of your employers liability Insurance premium – is typically worked out using a book rating. A book rating is calculated using a base rate.

The base rate is also calculated on the insurer’s estimate of the level of risk attached to a particular business or industry area. The premium will be affected by factors such as your claims history, the size of the perceived risk and your approach to risk management.

For employers liability insurance the exposure risk is assessed on the basis of the number of employees and the size of the payroll. In addition, there are other initiatives that influence how risk is assessed.

How can I lower the cost of my employers liability insurance?

The first thing you need to do is lower the amount of risk you present to the insurers. The safer your working environment and the fewer claims you have made, the lower your risk will be.

Next you need to start the time consuming job of shopping around. Fortunately our Commercial Insurance team will do that part for you. Our Commercial Insurance department deals with several liability insurers. We will find you quality liability insurance at a low cost.

Do I need employers liability insurance for all the people who work for me?

You are only required by law to have employers liability insurance insurance for people who you employ. However, people who you normally think of as self-employed may be considered as your employees for the purposes of employers liability insurance.

Whether or not you need employers liability insurance for someone who works for you depends on the terms of your contract with them. This contract can be spoken, written or implied. It does not matter whether you usually call someone an employee or self-employed or what their tax status is. Whether you choose to call your contract a contract of employment of a contract for services is largely irrelevant. What matters is the real nature of your relationship with the people who work for you and the degree of control you have over the work they do.

There are no hard and fast rules about who counts as your employee for the purposes of employers liability insurance. The following paragraphs may help give you some indication. However, if you have any doubts you should seek legal advice.

In general, you may need employers liability insurance for someone who works for you if:

  • You deduct national insurance and income tax from the money you pay them
  • You have the right to control where and when they work and how they do it
  • Your supply most materials and equipment
  • You have a right to any profit your workers make although you may choose to share this with them through commission, performance pay or shares in the company
  • Similarly, you will be responsible for any losses
  • You require that person to deliver the service and they cannot employ a substitute if they are unable to do the work
  • They are treated in the same way as other employees, for example, if they do the same work under the same conditions as someone you employ

In general, you may not need employers liability insurance for people who work with you if:

  • They do not work exclusively for you (for example, if they operate as an independent contractor)
  • They supply most of the equipment and materials they need to do the job
  • They are clearly in business for personal benefit
  • They can employ a substitute when they are unable to do the work themselves
  • You do not deduct income tax or national insurance. However, even if someone is self-employed for tax purposes they may be classed as an employee for other reasons and you may still need Employers Liability Insurance to cover them

In most cases you will not need Employers Liability Insurance for volunteers. Although, in general the law may not require you to have insurance for:

  • Students who work for you unpaid
  • People who are not employed, but taking part in a youth or adult training programme
  • A school student on a work experience programme

It is advisable to inform your insurance company if you take on:

  • Volunteers
  • Students who work for you unpaid
  • People who are not employed but are taking part in youth or adult training programmes
  • School children on work experience programmes

You may require insurance cover for any of the above and should bear in mind the level of risk they may be exposed to during the time they are working for you. It may be necessary for you to carry out a separate risk assessment or take special measures for those listed above.

Health and Safety Executive

If you are unsure whether you are liable for a subcontractors employers liability insurance please contact our Commercial Insurance us on 0800 542 2742 one of our expert team will be able to assist you.

If I hire a sub-contractor am I liable for their employers liability insurance?

By law, as an employer you must have employers liability insurance,. However, someone is defined as your employee if:

  • You deduct National Insurance contributions and income tax from the salary you pay them
  • You control when, where and how they work
  • They cannot employ a substitute when they are unable to work

If you are unsure whether you are liable for a subcontractors employers liability please contact our Commercial Insurance team on 0800 542 2742 and one of our experienced staff will be able to assist you.

If I run a company when wouldn’t I need employers liability insurance?

If your business is not a limited company, and you are the only employee or you only employ close family members, you do not need compulsory employers liability insurance,. Since February 2005, limited companies with only one employee, where that employee also owns 50 per cent or more of the issued share capital in the company, have also been exempt from compulsory employers liability insurance.

Who is responsible for checking that I’ve got employers liability insurance?

The Health and Safety Executive is responsible for enforcing the law on employers liability insurance,. You can be fined up to £2,500 for each day that you do not have appropriate insurance.

back to top

What will I need to show the Health and Safety Executive?

When you take out a policy you will receive a certificate of employers liability insurance. You must display a copy of this where employees can easily read it and keep copies for at least 40 years or risk a fine of up to £1,000. You will need to make these certificates available to health and safety inspectors on request.

Does my employers liability insurance cover me to take on work experience placements?

In most cases you will not need employers liability insurance for volunteers. In general the law may not require you to have insurance for:

  • Students who work for you unpaid
  • People who are not employed, but taking part in a youth or adult training programme
  • A school student on a work experience programme

However, you may require insurance cover for any of the above and should bear in mind the level of risk they may be exposed to during the time they are working for you. It may be necessary for you to carry out a separate risk assessment or for you to take pre-cautionary measures.

If you are unsure about any matter relating to your Employers Liability insurance it is advisable to call our Commercial Insurance department on 0800 542 2742. Our friendly informed team will be only too willing to help.

  • How is the cost of my employers liability calculated?

    How is the cost of my employers liability calculated?

    The cost of your employers liability Insurance premium – is typically worked out using a book rating. A book rating is calculated using a base rate.

    The base rate is also calculated on the insurer’s estimate of the level of risk attached to a particular business or industry area. The premium will be affected by factors such as your claims history, the size of the perceived risk and your approach to risk management.

    For employers liability insurance the exposure risk is assessed on the basis of the number of employees and the size of the payroll. In addition, there are other initiatives that influence how risk is assessed.

  • How can I lower the cost of my employers liability insurance?

    How can I lower the cost of my employers liability insurance?

    The first thing you need to do is lower the amount of risk you present to the insurers. The safer your working environment and the fewer claims you have made, the lower your risk will be.

    Next you need to start the time consuming job of shopping around. Fortunately our Commercial Insurance team will do that part for you. Our Commercial Insurance department deals with several liability insurers. We will find you quality liability insurance at a low cost.

  • Do I need employers liability insurance for all the people who work for me?

    Do I need employers liability insurance for all the people who work for me?

    You are only required by law to have employers liability insurance insurance for people who you employ. However, people who you normally think of as self-employed may be considered as your employees for the purposes of employers liability insurance.

    Whether or not you need employers liability insurance for someone who works for you depends on the terms of your contract with them. This contract can be spoken, written or implied. It does not matter whether you usually call someone an employee or self-employed or what their tax status is. Whether you choose to call your contract a contract of employment of a contract for services is largely irrelevant. What matters is the real nature of your relationship with the people who work for you and the degree of control you have over the work they do.

    There are no hard and fast rules about who counts as your employee for the purposes of employers liability insurance. The following paragraphs may help give you some indication. However, if you have any doubts you should seek legal advice.

    In general, you may need employers liability insurance for someone who works for you if:

    • You deduct national insurance and income tax from the money you pay them
    • You have the right to control where and when they work and how they do it
    • Your supply most materials and equipment
    • You have a right to any profit your workers make although you may choose to share this with them through commission, performance pay or shares in the company
    • Similarly, you will be responsible for any losses
    • You require that person to deliver the service and they cannot employ a substitute if they are unable to do the work
    • They are treated in the same way as other employees, for example, if they do the same work under the same conditions as someone you employ

    In general, you may not need employers liability insurance for people who work with you if:

    • They do not work exclusively for you (for example, if they operate as an independent contractor)
    • They supply most of the equipment and materials they need to do the job
    • They are clearly in business for personal benefit
    • They can employ a substitute when they are unable to do the work themselves
    • You do not deduct income tax or national insurance. However, even if someone is self-employed for tax purposes they may be classed as an employee for other reasons and you may still need Employers Liability Insurance to cover them

    In most cases you will not need Employers Liability Insurance for volunteers. Although, in general the law may not require you to have insurance for:

    • Students who work for you unpaid
    • People who are not employed, but taking part in a youth or adult training programme
    • A school student on a work experience programme

    It is advisable to inform your insurance company if you take on:

    • Volunteers
    • Students who work for you unpaid
    • People who are not employed but are taking part in youth or adult training programmes
    • School children on work experience programmes

    You may require insurance cover for any of the above and should bear in mind the level of risk they may be exposed to during the time they are working for you. It may be necessary for you to carry out a separate risk assessment or take special measures for those listed above.

    Health and Safety Executive

    If you are unsure whether you are liable for a subcontractors employers liability insurance please contact our Commercial Insurance us on 0800 542 2742 one of our expert team will be able to assist you.

  • If I hire a sub-contractor am I liable for their employers liability insurance?

    If I hire a sub-contractor am I liable for their employers liability insurance?

    By law, as an employer you must have employers liability insurance,. However, someone is defined as your employee if:

    • You deduct National Insurance contributions and income tax from the salary you pay them
    • You control when, where and how they work
    • They cannot employ a substitute when they are unable to work

    If you are unsure whether you are liable for a subcontractors employers liability please contact our Commercial Insurance team on 0800 542 2742 and one of our experienced staff will be able to assist you.

  • If I run a company when wouldn’t I need employers liability insurance?

    If I run a company when wouldn’t I need employers liability insurance?

    If your business is not a limited company, and you are the only employee or you only employ close family members, you do not need compulsory employers liability insurance,. Since February 2005, limited companies with only one employee, where that employee also owns 50 per cent or more of the issued share capital in the company, have also been exempt from compulsory employers liability insurance.

  • Who is responsible for checking that I’ve got employers liability insurance?

    Who is responsible for checking that I’ve got employers liability insurance?

    The Health and Safety Executive is responsible for enforcing the law on employers liability insurance,. You can be fined up to £2,500 for each day that you do not have appropriate insurance.

    back to top

    What will I need to show the Health and Safety Executive?

    When you take out a policy you will receive a certificate of employers liability insurance. You must display a copy of this where employees can easily read it and keep copies for at least 40 years or risk a fine of up to £1,000. You will need to make these certificates available to health and safety inspectors on request.

  • Does my employers liability insurance cover me to take on work experience placements?

    Does my employers liability insurance cover me to take on work experience placements?

    In most cases you will not need employers liability insurance for volunteers. In general the law may not require you to have insurance for:

    • Students who work for you unpaid
    • People who are not employed, but taking part in a youth or adult training programme
    • A school student on a work experience programme

    However, you may require insurance cover for any of the above and should bear in mind the level of risk they may be exposed to during the time they are working for you. It may be necessary for you to carry out a separate risk assessment or for you to take pre-cautionary measures.

    If you are unsure about any matter relating to your Employers Liability insurance it is advisable to call our Commercial Insurance department on 0800 542 2742. Our friendly informed team will be only too willing to help.

FAQS: Public Liability Insurance

How can I lower the cost of my public liability insurance?

The first thing you need to do is lower the amount of risk you present to the insurers. The safer your working environment and the fewer claims you have made, the lower your risk will be.

Next you need to start the time consuming job of shopping around. Fortunately Plan Insurance Brokers will do that part for you. At Plan Insurance Brokers we deal with several Public liability insurers. We will find you quality public liability insurance at low costs.

Call Plan Insurance Brokers now on 0800 542 2742 for your low cost public liability insurance quote.

When would I need public liability insurance?

If members of the public or customers come to your premises or you go to theirs, you should think about taking out public liability insurance.

Contact Plan Insurance Brokers on 0800 542 2742 or click Call Me Now for a public liability insurance quote.

How is the cost of my public & product liability calculated?

Public liability & product insurers premiums depend on the type of business you run, your turnover and the number of employees you have. For public and product liability insurance the exposure risk is also based on factors such as whether you work away from your premises.

Call Plan Insurance Brokers now on 0800 542 2742 or click Call Me Now for your Low Cost Public Liability Insurance Quote.

Is public liability insurance compulsory?

Whilst employers liability insurance is compulsory, public liability insurance is generally voluntary. However some businesses, eg horse riding establishments, are required by law to have public liability cover. You will also find that many of your customers or potential customers require proof of adequate insurance before they will allow you to work for them.

At Plan Insurance Brokers, we can arrange public liability insurance policies as part of a package insurance policy as an optional extra. So if you don’t require the cover, you don’t have to pay for it.

There are many conditions, exclusions and warranties that can be applied to public liability policies. It is advisable that you call an expert for advice.

If you are unsure in regards to any matter relating to your public liability insurance requirements call Plan Insurance Brokers now on 0800 542 2742 or click Call Me Now.

Do I need public liability insurance if I work in the motor trade from home?

If you run your Motor Trade business from home, and customers or members of the public visit you there, you should seriously consider taking out public liability insurance

Whether your are part-time or full-time in the trade you are still liable for members of the public claiming against you for bodily injury or damage to their property if your business is run from a residential address.

If you do not have public liability insurance you are be liable to pay the full amount of compensation required to settle any claim. Public liability claims can amount to huge sums of money.

Call Plan Insurance Brokers now on 0800 542 2742 or click Call Me Now for a competitive public liability insurance quote.

Do I really need public liability insurance?

If you do not have public liability insurance you are be liable to pay the full amount of compensation required to settle any claim. Public liability claims can amount to huge sums of money.

Annually in the U.K. billions of pounds are paid out on liability insurance claims. Failing to take out public liability insurance could put you out of business. With Plan Insurance Brokers able to arrange cover starting from as little as £130 a year why take the risk?

Call Plan Insurance Brokers now on 0800 542 2742 or click Call Me Now for expert advice on Public Liability Insurance Quotes.

  • How can I lower the cost of my public liability insurance?

    How can I lower the cost of my public liability insurance?

    The first thing you need to do is lower the amount of risk you present to the insurers. The safer your working environment and the fewer claims you have made, the lower your risk will be.

    Next you need to start the time consuming job of shopping around. Fortunately Plan Insurance Brokers will do that part for you. At Plan Insurance Brokers we deal with several Public liability insurers. We will find you quality public liability insurance at low costs.

    Call Plan Insurance Brokers now on 0800 542 2742 for your low cost public liability insurance quote.

  • When would I need public liability insurance?

    When would I need public liability insurance?

    If members of the public or customers come to your premises or you go to theirs, you should think about taking out public liability insurance.

    Contact Plan Insurance Brokers on 0800 542 2742 or click Call Me Now for a public liability insurance quote.

  • How is the cost of my public & product liability calculated?

    How is the cost of my public & product liability calculated?

    Public liability & product insurers premiums depend on the type of business you run, your turnover and the number of employees you have. For public and product liability insurance the exposure risk is also based on factors such as whether you work away from your premises.

    Call Plan Insurance Brokers now on 0800 542 2742 or click Call Me Now for your Low Cost Public Liability Insurance Quote.

  • Is public liability insurance compulsory?

    Is public liability insurance compulsory?

    Whilst employers liability insurance is compulsory, public liability insurance is generally voluntary. However some businesses, eg horse riding establishments, are required by law to have public liability cover. You will also find that many of your customers or potential customers require proof of adequate insurance before they will allow you to work for them.

    At Plan Insurance Brokers, we can arrange public liability insurance policies as part of a package insurance policy as an optional extra. So if you don’t require the cover, you don’t have to pay for it.

    There are many conditions, exclusions and warranties that can be applied to public liability policies. It is advisable that you call an expert for advice.

    If you are unsure in regards to any matter relating to your public liability insurance requirements call Plan Insurance Brokers now on 0800 542 2742 or click Call Me Now.

  • Do I need public liability insurance if I work in the motor trade from home?

    Do I need public liability insurance if I work in the motor trade from home?

    If you run your Motor Trade business from home, and customers or members of the public visit you there, you should seriously consider taking out public liability insurance

    Whether your are part-time or full-time in the trade you are still liable for members of the public claiming against you for bodily injury or damage to their property if your business is run from a residential address.

    If you do not have public liability insurance you are be liable to pay the full amount of compensation required to settle any claim. Public liability claims can amount to huge sums of money.

    Call Plan Insurance Brokers now on 0800 542 2742 or click Call Me Now for a competitive public liability insurance quote.

  • Do I really need public liability insurance?

    Do I really need public liability insurance?

    If you do not have public liability insurance you are be liable to pay the full amount of compensation required to settle any claim. Public liability claims can amount to huge sums of money.

    Annually in the U.K. billions of pounds are paid out on liability insurance claims. Failing to take out public liability insurance could put you out of business. With Plan Insurance Brokers able to arrange cover starting from as little as £130 a year why take the risk?

    Call Plan Insurance Brokers now on 0800 542 2742 or click Call Me Now for expert advice on Public Liability Insurance Quotes.

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