INDEPENDENT INSURANCE BROKER · CROUCH END

Public & Employers’ Liability
Insurance.

For the people your business affects.

Discuss liability arising from your work and your responsibilities to those working for you. We’ll explore the relevant sections, activities and limits for your business.

An initial enquiry. Cover starts only when arranged and confirmed.

Independent since 1978

Based in Crouch End, London

Speak to a real broker

01 / UNDERSTAND YOUR COVER

Two covers. Different people.

Public liability concerns third parties; employers’ liability concerns employment-related injury or illness. Describe how the business operates rather than assuming one replaces the other.

Public liability

Consider claims for injury or property damage involving customers, visitors or other third parties arising from declared work.

Employers’ liability

Explain employees and other working arrangements. Employment-related injury and illness require their own liability assessment.

Declared activities

List everything the business does, including occasional tasks, products supplied and work away from the usual premises.

Contract requirements

Provide required limits and contract clauses. An insurance certificate alone does not confirm every contractual responsibility is covered.

These are cover areas to discuss. Insured events, limits, excesses and exclusions depend on the policy you arrange.

ESTABLISHED

1978

An independent insurance broker
since 1978

London roots. Looking ahead.

WHY CROSSROADS

More than four decades.
Still personal.

Insurance starts with understanding what matters to you. We begin with a conversation.

01 / THE CROSSROADS APPROACH

Independent markets. Personal attention.

We explore the options available through our insurance markets, based on your business activities, circumstances and the cover you need.

02 / THE CROSSROADS APPROACH

People you can speak to.

Tell us what you need and ask the questions that matter to you. Our team will talk you through the available options.

03 / THE CROSSROADS APPROACH

Know where you stand.

We explain the cover, excesses and relevant terms before you decide. You can ask us about the details at every stage.

GETTING STARTED

Three steps.
Let’s get started.

Tell us what you need

Share your requirements and contact details. We’ll get in touch to discuss the information needed for a quote.

Explore your options

We discuss available cover, optional extras and payment arrangements, including the relevant terms.

Confirm before cover starts

Complete the required information and arrangements. Check your documents and the confirmed start date.

Useful details to have ready

Trades; turnover; payroll; working arrangements; locations; subcontractors; required limits; previous claims.

Ready to discuss your cover?

Send a short enquiry and we’ll contact you to discuss your requirements.

CUSTOMER EXPERIENCES

Real people.
In their own words.

Read what customers say about their experience with Crossroads.

      EXCELLENT  
   Based on 236 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Lee Neal 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great Service
Super friendly
Highly recommended
  
 
      Posted on Google  
   
   Yatin Budhiraja 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very professional and helpful agency. Freddy is a real gem who went extra mile to get me a good quote
  
 
      Posted on Google  
   
   Dr Hani Alzabidi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Freddie was incredibly helpful from the beginning of my journey right through to the end. I really appreciated the excellent service and the prompt, professional responses to all my enquiries.

Thank you so much, FreddieI look forward to working with you again.
  
 
      Posted on Google  
   
   Iulius Cristian Saceanu 
 
 
 
 Trustindex verifies that the original source of the review is Google. I love Cross Road insurance services becouse they are really professional  !!!  Very helpful  !!! Good professional people  !!! LOVE and RESPECT  for The best Insurance Services  CROSSROAD  !!!  5 STARS DEFINITELY  !!!
  
 
      Posted on Google  
   
   Oreste Saulea 
 
 
 
 Trustindex verifies that the original source of the review is Google. I'm always happy with the solution you have for me I've been using them for more than eight years. Thank you
  
 
      Posted on Google  
   
   bedir ay 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very friendly staff- always going the extra mile to help me out. Highly recommend for your insurance needs.
  
 
      Posted on Google  
   
   omer faruk gülap 
 
 
 
 Trustindex verifies that the original source of the review is Google. Easy process. Professional approach. Excellent staff.
  
 
      Posted on Google  
   
   Mo Akudu 
 
 
 
 Trustindex verifies that the original source of the review is Google. Spectacular..cross road insurance true & trusted groups to do business  my dealings with them for 19years is something  to write home about good people .

They are too professional and fair
** I rate them 5stars
*****A SATISFIED CLIENT!*****

A LITTLE MORE CLARITY

Your questions
answered.

Answers to common questions about public and employers’ liability insurance and arranging cover.

Understanding the cover

Does public liability cover employees?

It is not a replacement for employers’ liability. The sections address different claims and people.

Is employers’ liability required for every business?

Many employers must hold it, but exemptions and working arrangements need checking. Tell us who works for you and how they are engaged.

Practical details

Does liability insurance pay to redo poor work?

Not automatically. Liability for resulting injury or damage and the cost of correcting defective work can be treated differently.

Can I choose a limit just from turnover?

Contract requirements and the possible size of a claim matter too. Explain the work and any limits required by customers or site operators.

Getting a quote

How do I start an enquiry?

Choose a quick callback or share your quote details using the enquiry form, or call 020 8374 9331. We’ll review your requirements and explain any further information needed.

Does the form start insurance cover?

No. Cover begins only when it has been arranged and confirmed. An enquiry or request for a quote is not evidence of insurance.

Managing your policy

Can I ask about instalments?

Ask about available payment arrangements and the total cost. Premium finance is subject to eligibility and terms.

What should I do if my circumstances change?

Contact us before changes affecting the insurance, including activities, property use, values or other insured details. Acceptance and any additional cost must be confirmed.

OTHER WAYS TO WORK

Find your next route.

LET’S TALK ABOUT YOUR COVER

Let’s talk about
your cover.

Tell us what you need. We’ll take it from there.

Monday–Friday · 9am–5pm
133 Tottenham Lane, Crouch End, London, N8 9BJ

Public & Employers’ Liability Insurance.