Public liability
Discuss the risks of your activities causing injury to other people or damage to their property. Tell us about work away from your premises, subcontractors and any higher-risk activities.
← Back to PortwoodPUBLIC, PRODUCTS & EMPLOYERS’ LIABILITY
Combined liability. A clearer view of your business risks.
Liability insurance needs to reflect the work you undertake, the products you supply and the people working for you. We help businesses and contractors put the relevant information in front of suitable insurers.
Established 1963 · Independent brokers · FCA firm reference 300694
Products liability
If you manufacture, supply, sell or install products, explain what they are and where they go. Product type, use and territories affect the options an insurer can offer.
Employers’ liability
Tell us who works for you, the work they do and your wage roll. We can discuss the employers’ liability cover and other requirements relevant to your circumstances.
One review, with the limits clearly explained
A combined liability proposal may bring these sections together. The insurer’s wording, activities accepted, limits, excesses and exclusions remain important. Professional advice or design work may need a separate professional indemnity policy.
A simple first step
- Your business activities, work locations and current policy
- Turnover, wage roll and employee or subcontractor arrangements
- Claims history, products supplied and relevant contract requirements
Liability cover. Clearer before you commit.
How do public, products and employers’ liability differ?
Public liability concerns your liability to other people; products liability concerns products you supply; employers’ liability concerns injury or illness connected with employment. A combined proposal can bring relevant sections together, with separate wording, limits and conditions.
Does combined liability include professional advice or design work?
Do not assume it does. Tell us about any advice, specification, design or professional services you provide, including work included within a wider contract. We can discuss whether a separate professional indemnity quotation is appropriate.
What should a contractor send for a quotation?
Describe every trade and activity, work locations, use of heat, work at height or depth, turnover, wage roll and subcontractor arrangements. Send your current policy, claims history and any contractual insurance requirements so insurers can consider the actual work.
Further reading: ABI: the different types of liability insurance. Your quotation and policy wording determine the cover offered.
Explore the cover you need
The available cover and premium depend on your circumstances, insurer acceptance and policy terms. Savings and price matching are not guaranteed. Uploading documents does not put cover in force.
Contact the Portwood team