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Liability Insurance

Liability Insurance from Henderson Insurance - Click for your quote

Liability Insurance - from Henderson Insurance - Click for a Competitive Quote.

What is Liability Insurance?

Liability Insurance is very important for your business as it pays for compensation if you are held legally liable for an adverse event which causes damage to someone else's property and/or injures them.

What cover do I need as a sole trader or partnership?

If you are a sole trader or partnership, without any employees or subcontractors, you will only need Public Liability Insurance for each person involved in the business. However if you employ someone it is compulsory under law to have Employers Liability Insurance cover for all employees (some exclusions regarding immediate family apply) including labour only subcontractors. Bonafide subcontractors are treated differently.

What cover do I need for a limited company or business?

If you are a limited company and you are the sole director you only need Public Liability Insurance. All other small businesses and companies require both Public and Employers Liability Insurance for all employees including directors and most subcontractors.

What limit of indemnity do I require?

By law Employers Liability cover is required at 5 million, however in the UK insurers usually have a standard limit of 10 million on their policies. Public liability cover starts at 1 million, however if you are contracting to local authorities they generally insist on a minimum indemnity limit of 5 million.

What products does Henderson Insurance (NE) Ltd provide?

  • Public Liability Insurance with limits of 1 million, 2 million & 5 million
  • Employers Liability Insurance at 10 million
  • Excess Liability Insurance
  • Contract Works Cover
  • Hired In Plant Cover
  • Own Plant / Tools Cover

Liability Insurance from Henderson insurance - Click for a quoteClick for a quotation from our range of competitively priced products or pick up the phone if you need a helping hand with the process, 0191 5235001.

Latest News

Keeping motorists mobile - motor insurers payouts up 14% over the last year

Motor insurers paid out £2.4 billion in motor claims in the first quarter of this year, up 14% on the same quarter last year according to our latest data. This was the highest quarterly payout since we started collecting data back in 2013.   

Read More

Source: abi.org.uk 09/06/2023. 

Changes to the Highway Code – what’s changing and what does this mean?

Over 40 changes to the Highway Code, including updates to existing rules as well as the addition of new text, came into effect from 29 January*. Whilst these changes are relevant to all road users, it’s important that our commercial motor clients are aware of these changes and communicate them effectively to their drivers.

What are the key changes?

The most fundamental change of principle is the inclusion of a Hierarchy of Road Users designed to place road users in order of potential harm. The aim is to improve safety for vulnerable road users (VRUs), in particular pedestrians, cyclists, and horse riders.

The updated text states that "those in charge of vehicles that can cause the greatest harm in the event of a collision bear the greatest responsibility to take care and reduce the danger they pose to others. This principle applies most strongly to drivers of large goods and passenger vehicles, followed by vans/minibuses, cars/taxis and motorcycles.” read more

Source: Aviva Febuary - 1st Edition latest news email 04/02/2022 with link

Mandatory five-year electrical safety check regulations to be enforced in England

The Government has proposed detailed regulations for enforcing mandatory five-year electrical safety checks in the private rented sector from July this year. 

The Electrical Safety Standards in the Private Rented Sector (England) Regulations 2020 were laid in Parliament yesterday. They require approval from both the House of Commons and the House of Lords before they come into force. read more

Source: NLA website - Article Posted 14 Jan 2020



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"I would just like to say that each time I have emailed Henderson’s Insurance I have had a fast response and the service I have been given has been great, not many times that happens these days so thank you for your time. Kind Regards, Hayley Scott."