If you want complete protection and peace of mind when you’re at work, it's important to have sufficient insurance in place. To find the right cover for your trade, you can compare business insurance quotes now with Policy Expert.
Finding the right policy to cover the risks associated with your trade isn’t always easy and we know there are far more important things to do than trawl the web looking for insurance! Trade liability policies can sometimes be complex and you could end up paying for cover you don’t really need. Equally, you could find that you're under-insured for your specific business needs.
Look for a combined policy that offers public liability insurance, employers’ liability insurance and any optional extras you need, such as tools cover or hired-in equipment cover. At Policy Expert, our aim is to help you find just the right level of cover.
Take a few minutes to:
1. Complete our simple online form
2. Browse prices from a range of handpicked insurers
3. Choose the quote that suits your business needs
4. Pay securely online
And that’s it, job done! You’ll receive your documents instantly via email meaning you’re covered pretty must straight way.
Why do I need public liability insurance?
Would you manage if a member of the public is injured or even killed through work you have been involved with? Could you pay potentially hefty legal costs and any damages that are awarded? If not, then public liability insurance could cover the costs associated with a claim. Lots of polices offer up to £5 million in cover, with some offering a minimum of £1 million. If you don’t have this, your business and reputation could be ruined should a claim for damages be made against you.
Why do I need employers’ liability insurance?
If you employ staff to work for you then you need employers’ liability insurance. This is a normally legal requirement and you could be landed with a fine if you don’t have it. You need it to protect you and your staff in case of accident, injury or death and it should help cover the cost of a claim from an employee should they be injured whilst working for you.
Check before you buy…
• Read the Key Features and Policy Summary documents before you buy to make sure you are happy with the excess payable in the event of a claim and any exclusions.
• Make sure you have included or excluded any optional extras, such as tools cover.
• Think about combining your policy with business car and van insurance for easy administration. You might even qualify for a discount!
Get a quote now or read more in our business insurance guides.