Public Liability and Employers’ Liability Insurance
About our Public Liability and Employers’ Liability Insurance
If your business interacts with the public or employs staff, you carry responsibilities that can’t be ignored. Accidents happen, and even a small incident can lead to a claim that’s costly to resolve. Public Liability Insurance protects you if someone is injured or their property is damaged because of your business activities. And Employers’ Liability Insurance is a legal requirement if you have employees or volunteers. It covers claims from people who are injured or become ill while working for you.
At Abbeyfields Insurance, we work with a panel of commercial insurers to source and arrange liability cover that reflects the way your business operates and the risks you face day to day.
Why you need Public Liability Insurance
While you and your business might be careful, you can’t control every situation. If a customer slips on a wet floor, you damage someone’s property during a delivery, or a product you’ve supplied causes an injury, you could face a claim that runs into thousands of pounds. Public Liability Insurance is there to protect you if things go wrong through your everyday business activities. It can cover the cost of any claims, legal fees and settlements, protecting your cash flow and your business’s reputation.
Even if a claim is unfounded, defending yourself can be expensive.
Public Liability Insurance gives you protection whether you’re working from your own premises, visiting clients or operating at public events.
Why you need Employers’ Liability Insurance
Employers’ Liability Insurance is required by law if you employ anyone, including part-time staff, volunteers or casual workers. It protects you and your business if an employee or volunteer is injured or falls ill because of their work with you.
It covers compensation payments, legal costs and the expense of defending your business during investigations. Without it, you could face unlimited personal liability and prosecution, with fines reaching £2,500 for every day you’re uninsured.
At Abbeyfields, our friendly team can help you find the right policy, with the right level of cover to protect your business in the event of an incident.
What our Public Liability and Employers’ Liability Insurance includes
With more than 35 years of experience supporting commercial clients, we understand that every business faces different risks. We’ll take the time to get to know how you work, who you interact with and where your exposures lie. Our experienced team can arrange cover with the UK’s leading specialist insurers, and your policies can include:
- Repair or replacement costs for accidental damage to third‑party property
- Protection for compensation claims costs made by your employees
- Cover for temporary employees such as work experience pupils or volunteers
- Compensation for bodily injury (or even death)
- Cover for injuries or illness occurred as a direct result of working for you
- Legal expenses to defend claims
- Compensation for bodily injury (or even death)
Why choose Abbeyfields for your liability insurance?
Abbeyfields is a family‑run, independent broker with decades of experience arranging liability cover for businesses of all sizes. When you call us, you’ll speak directly to someone who understands your industry and can help you secure the right protection. Here’s what you can expect when you choose us:
Clear, practical guidance
Personal service from people who care about your business
Strong relationships with leading insurers
Fast, friendly support
Help with your claims from start to finish
Competitive, well‑structured premiums
Straightforward policy updates as your business evolves
We’re here to make protecting your business simple, so you can focus on doing what you do best.
Frequently asked questions
Got a question about our Public Liability or Employers’ Liability Insurance?
Check out our FAQs below. If you still can’t find what you’re looking for, get in touch. We’ll be happy to help.
Yes. If you employ staff or volunteers, Employers’ Liability Insurance is a legal requirement. It protects you if someone is injured or becomes ill while working for you. In practice, many insurers provide £10m as standard, because it reflects the real cost of defending and settling a serious injury or illness claim. This level of cover applies whether you have one employee or a large workforce.
There are exemptions to the Employers' Liability (Compulsory Insurance) Act 1969 where you may not need Employers' Liability, such as limited companies where the owner is the sole employee and family businesses where all employees are direct family members (excluding family businesses which are limited companies), some public bodies and businesses whose employees are based abroad.
Public Liability Insurance protects your business against claims from members of the public who suffer injury or property damage because of your business activities. While it isn’t a legal requirement, many businesses, contractors, local authorities, public sector organisations and trade associations require it as a condition of working with them. The amount of Public Liability Insurance you need will depend on the nature of your work and the level of risk involved. Many contracts and tenders specify a minimum limit.
Your insurer will manage the process, including legal representation, investigation and handling any compensation or settlement. Our team will support you throughout your claim.
Yes. Most policies cover incidents that occur on your premises, at client sites or in public spaces, provided the work is part of your normal business activities, subject to the geographical limits set out in your policy documents.
No. Any business that interacts with people or sells products, from trades to shops to office‑based services, can face a liability claim.
Protect your business today
Call our team on 0121 655 3420 to discuss your needs or complete our online form and tell us the best time to call you back. We’re here Monday to Friday, 9am to 5pm. We’ll talk through your business, your risks and your responsibilities, then then provide a competitive quote that suits your business requirements.
