Employers, Public and Product Liability explained

Employers, Public and Product Liability Employers’ liability, unlike Public and Product insurance, is a legal requirement however in practice almost all businesses will choose to cover all three of the “liabilities” in a bundle.

Let’s have a look at each in turn and why you would consider having them.

Why is Employers liability a legal requirement?

If a member of your staff was to suffer an injury or illness as a result of their employment, the Government does not want to be left holding the tab! For this reason, ever since the Employers’ liability (Compulsory Insurance Act 1969) it has been a legal requirement.

What exactly does Employers Liability Insurance cover?

Employers’ liability protects you in the event of an employee suing you as a result of a work-related illness or injury. It will cover both legal expenses and any compensation costs arising. The most common claims are as follows;

• Slips, trips and falls
• Repetitive strain injuries
• Manual handling injuries
• Industrial diseases such as asbestosis

Why should I have Public Liability Insurance?

Public liability insurance covers you for third-party claims from members of the public, suppliers or customers who have suffered harm or a loss as a result of your business activities. As above personal injury from trips, slips and falls is a very common claim but crucially property damage, data loss and legal expenses are also covered.

Do I need Product Liability Insurance?

Product Liability Insurance normally goes hand in hand with Public Liability Insurance and will cover you if a faulty product you supply causes injury or loss. It is relevant wherever you sit in the supply chain.

Why choose Pelican for your “Liabilities” cover?

The key to quality cover that will protect you from all likely risks is a broker who truly understands what you do and how you go about it. At Pelican we pride ourselves on going the extra mile for our clients whether it is to secure you a competitive deal or fight your corner in the event of a claim.

Finally, of course, you would receive the legendary friendly and exceptional service from the fabulous team at Pelican!