Public Liability Insurance: Liability for Employers in UK

Public Liability Insurance

For more public liability insurance information click the titles

Public liability insurance quotes for builders, allied tradesmen and other small businesses in the UK- employers of up to 10 workers in low risk trades. Online quotes are available for some high-risk occupations for employers of up to 5 workers. Special insurance discounts are available.

Public Liability Insurance - General

Public liability insurance for those UK commercial risks that don't meet the description to the left. For those risks where the estimated premium will be in excess of £700 and where combined PL/ CAR is required.

Professional Indemnity Insurance ( E & O)

Professional Indemnity insurance deals with advice. We can quote professional indemnity insurance terms for many occupations - but not online - you can either print off a form or we can send one to you for completion.

Legal Expenses

Legal expenses insurance: in business you may have need of legal help - our legal expenses insurance can cope with employee disputes, contract disputes and tax investigations amongst others.

Inflatable Play equipment

Insurance for operators of bouncy castles and other similar equipment - including rodeo bulls, inflatable slides etc. Employers insurance can be added as well as insurance for the equipment itself.

Mobile Catering

Insurance for operators of mobile catering vehicles of all descriptions. Includes food poisoning amongst other cover. Insurance is also available for the catering unit on its own.

Event Insurance for Exhibitors

For people needing insurance when organising indoor and outdoor events - with the opportunity to cover hired in equipment and cancellation costs.

Annual Event Insurance

For people who need insurance to organise a series of events through the year. the premium depends on the number of events.

Event Insurance for Shows

Quotes for PL insurance and property cover / cancellation for people organising shows

Firework Shows

In view of the high-risk nature of injury to the public, we cannot offer quotes online for shows with fireworks - rates will be quoted on submission of an application form

Cleaning Contractors Liability Insurance

We are continually extending our range of schemes. This scheme is currently being researched

Public Liability Insurance in today's litigious society insurance is more important than ever. Although not yet at America's levels, more and more people, instead of accepting that loss or damage can happen by accident, are encouraged to believe that it must have been through someone's negligence - with the result that they sue. Although the demise of some firms actively pursuing compensation claims has been well documented, the arrival of 'no-win no-fee' agreements and legal expenses cover 'after the event' has meant that access to the courts has never been easier. This ease of access, together with the perception that judges will award compensation in virtually every case, assuming that the business will have cover so that 'no-one loses' - of course this is not the case as the insurance premiums insurers charge have to be increased to meet these claims - this means that the businesses have to charge more to meet these increases so eventually the customer pays for the awards.

Employers Liability Insurance is, of course compulsory for any firm that employs people. Due to the increase in duties imposed on employers and the rights given as well as ease of access to compensation, a similar increase in insurance claims has arisen with the same result as above - premiums have increased and businesses have to increase their prices to pay for the costs. Recent changes in law, however mean that a company with only one employee, who also owns 50% of the firm need not have this cover.

Professional Indemnity Insurance in essence covers your advice rather than your actions. Many professional people will have a minimal risk of claims arising due to their actions - and insurance premiums are cheap (see our quotes), but may be liable if their customers suffer loss due to their giving bad advice. A good example of this is in Financial Services where many people were recommended endowments as a way to pay of their mortgage (and a surplus), without being made sufficiently aware of the risks involved. It can be argued that these claims are arising as a result of poor stock-market returns since 1999 coupled with the dotcom crash and low interest rates, and it does seem surprising that compensation is being paid before the actual loss is sustained.

B. Portwood & Co Ltd have access to a wide range of different insurance policies suitable to meet the demands and needs of businesses needing this form of cover. Whether you are a sole trader, a small contractor or business or engaged in high-risk activities we can normally find a policy to meet your demands and needs.