Public Liability Insurance and Employers' Liability Insurance

It’s one of the covers everyone has heard of and most people need. Public liability insurance is designed to protect your business against a variety of risks, which you won't come across in day-to-day private life. With ever more complex European Union laws and human rights legislation; it has never been more important to ensure that your business has adequate cover. 

Public liability insurance safeguards you against any claims for damages made by a third party (i.e. not an employee). An example would be if a visitor injured himself or herself in your office and it was deemed to be your fault, or if you damaged a third party's property in the course of a professional visit to their premises. 

Employers' liability insurance is one of the few types of cover, which is required by UK law. Employers are legally obliged to provide a safe working environment, and where they are deemed liable, to provide financial support to employees who are injured or assaulted in the course of their work. 

IFM’s commercial team have many, many years experience in providing commercial insurance for all types of businesses, from self-employed tradesmen to multi million pound turnover organisations. We offer public and/or employer's liability insurance as stand-alone policies or combined with other commercial provisions. Premiums start at just £60 per annum and cover can usually be arranged the same day. We can guide you through the complex world of liability insurance give us a call.