Public liability is one of the most common types of insurance, and a very important one. This insurance protects you and your business if, for example, someone is injured or their property is damaged because of your work. It’s a type of business insurance that can cover the legal fees and compensation costs if a client or member of the public makes a claim against you.

In the UK the most common and frequent accidents are a slip, trip, or fall, and the majority of them happen out and about, but it can also happen indoors too. Public liability insurance (also known as PL or liability insurance) is designed to protect your business against any third party claims for injuries or property damage – from a customer or client to a passer-by or visitor to your premises, regardless of whether you are at fault or not.

It has now become a legal requirement for most employers in the UK to have Employer’s Liability insurance; this falls under the Employers Liability Act 1969 and it’s mostly designed to protect you and your employees (including those who no longer work for you) if they’re injured or become unwell as a result of working for you, covering the associated legal and compensation costs, and other damages.

With Bluestone Cover you can buy employers’ liability insurance as part of a tailored policy, along with public liability insurance, plus any additional covers you may need.

Employers’ liability insurance (EL insurance) can protect you (the business owner) against the cost of any compensation claims that may be made by employees, if they’re injured or become sick because of your business or workplace. It’s usually a legal requirement to have EL insurance for businesses that employ one or more people. As a business, there are huge risks if you do not have the appropriate cover and currently can face up to £2,500 a day in fines or penalties for each employee not properly covered. The insurance also provides cover for damage or injuries caused by your employees to a third party, like a passer-by or customer.

Remember that most of these insurance policies will also cover you for other aspects of your business like for example in the event that you cannot pay rent to the landlord who owns the property where you run your business from then the policy will cover you for that.

Employers’ liability insurance can cover your business against legal costs and compensation claims raised by anyone you’re responsible for, this can be employees, volunteers, and trainees. Public liability insurance, on the other hand, can cover your business against claims from third parties, such as customers, clients and members of the general public.

If you’re a Landlord who rents out properties to tenants it makes sense to have Landlords or Property Owner’s insurance.
It can cover you for unexpected claims made by tenants or anybody else in your property – for example, someone just visiting and is injured because of a problem within the property.
Some typical accidents in and around the home include slips, trips, falls and many more. They are amongst the most common types of household injuries in the UK and can result from loose flooring to slippery paving or other mishaps caused by a poorly maintained building. As a property owner, whether private or commercial, Landlord liability insurance is designed to protect you from injury or damage claims related to your rental property. It’s a type of public liability insurance, built specifically for landlords.

Additionally, Buildings Insurance can not only cover rental properties but also the home that you live in for property damage caused by any number of occurrences, for example; subsidence, a fire that completely destroys the building and it has to be re-built, or accidental damage by third parties etc.