Despite your best intentions, accidents do happen and if the accident is a result of something your business has done then a client, contractor, or member of the public can claim against your business for compensation.
Your public liability can be triggered by something as simple as spilling a drink over a client’s computer, or a contractor slipping on a wet surface in your office incurring injury or damage.
To help protect your business, dickson & co can provide small businesses with public liability insurance as a stand-alone policy or it can be purchased together with a range of business products.
Why have employers’ liability insurance?
In most cases if you have employees, employers’ liability insurance with cover of at least £5 million is a legal requirement and you could be fined if you are not covered.
Easy access to ‘no win no fee’ legal services which help employees claim compensation may increase the likelihood of a business experiencing an employers’ liability claim if they suffer an accident or illness which they think has been caused as a direct result of their work.
Your employers’ liability could be triggered even if the employee is a voluntary helper or is self-employed but working under your supervision.
The legal and compensation costs of defending your business against an employers’ liability claim could significantly damage your business. Even the most trivial accident such as tripping over a computer cable at work could trigger an employers’ liability claim from an employee. dickson & co can insure your business against unforeseen legal and compensation costs.
For more information on our insurance products contact any of our branches or click get quote for business insurance tailored to suit your needs.