Liability Insurance

Protect Your Business with Tailored Liability Insurance

At Crossroads Insurance Services, we understand that every business faces unique risks.That’s why we provide comprehensive Liability Insurance solutions for businesses across the UK, whether you’re a startup or an established company. With a bespoke policy, you can protect yourself from third-party claims and ensure your financial future remains secure even in the face of unexpected events.

Why Do You Need Liability Insurance?

Operating a business involves interacting with people, handling equipment, and delivering services, all of which can lead to accidents or errors. Liability claims can arise from a variety of situations, and without proper coverage, these claims can be both financially draining and disruptive to your operations. Liability Insurance ensures that your business is protected from legal costs, compensation payments, and medical expenses if someone is injured or if their property is damaged due to your business activities. This protection gives you peace of mind, knowing that unforeseen incidents won’t jeopardise your financial stability.

What Does Our Liability Insurance Cover?

Our policies are designed to address the various risks your business may encounter, including:

• Public Liability Insurance: Covers claims made by members of the public who suffer injury or damage to their property due to your business’s operations. This is essential for businesses that interact directly with customers or clients.

• Employer’s Liability Insurance: A legal requirement in the UK if you employ staff, this coverage protects you against claims from employees who are injured or fall ill as a result of their work duties. It ensures you meet your legal obligations while protecting your financial interests. 

• Product Liability Insurance: If your business manufactures, distributes, or sells products, this coverage protects you from claims if a product causes injury or damage after being sold. This is particularly vital for businesses in retail and manufacturing sectors.

Why Choose Crossroads Insurance Services?

• Tailored for UK Businesses: Our policies are specifically designed to meet the unique needs of businesses across the UK, regardless of size or industry.

• Affordable Premiums: We work to provide comprehensive coverage at competitive rates, ensuring you don’t pay more than necessary for the protection you need.

• Expert Support: Our experienced brokers are available to guide you through the process, helping you understand your options and select the best coverage for your business.

Frequently Asked Questions About Liability Insurance

1. Do I need public liability insurance for my small business in the UK?
   While public liability insurance is not a legal requirement in the UK, it is highly recommended, particularly if your business interacts with the public. This coverage helps protect you from costly claims in case someone is injured or their property is damaged during their interactions with your business.     
2. How much does liability insurance cost for a small business?
   The cost of liability insurance depends on various factors such as the size of your business, the industry in which you operate, and the level of coverage required. At Crossroads Insurance Services, we work to provide competitive rates that offer optimal protection without overburdening your budget.  
3. Is employer’s liability insurance mandatory in the UK?
   Yes, if you employ one or more staff, you are legally required to have employer’s liability insurance. This protects your business from compensation claims made by employees who are injured or become ill as a result of their work. 
4. What is the difference between public and product liability insurance?
   Public liability insurance covers claims from members of the public who suffer injury or property damage due to your business activities, while product liability insurance covers claims related to injuries or damage caused by products your business manufactures or sells.