Public and Products Liability Cover
If a member of the public is injured as a result of something that happens while they are on your premises, you will be held liable. Similarly, if you sell an item that is faulty and causes damage or injury to either the customer or their pet, you will have to pay out any associated claim costs. With liability cover, the legal, medical, vets and compensation costs will be paid out by your insurance.
Employers’ Liability Insurance
As a business owner that employs even just one member of staff (either full- or part-time), you are required to have employers’ liability cover by law. It will protect your employees in the event of a claim, paying out for their compensation and medical costs, as well as their loss of earnings during the time they are unable to work. Bear in mind that claims can be made by members of staff even after they stop working for you.