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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.