If you aren’t sure if you need insurance or not, then you are not alone. So many…
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
Why would I need Business Liability?
Business Liability FAQs
Public liability insurance is not a legal requirement in the UK. However, the majority of businesses are required to have employer’s liability insurance. But even though it is not a legal requirement, business liability can protect your business and save you money in difficult situations.
Public liability insurance is important for any business where members of the public gather. Restaurants, hotels, cinemas, and theatres, for example. It is also useful for tradespeople because it covers them against any accidental damage they cause to a client’s property. All businesses can benefit from professional indemnity cover too because it offers protection in a number of situations.
Business liability covers you in a range of situations, depending on the type of policy you take out. Public liability protects you financially when somebody is injured on your property and also if your business is responsible for causing property damage. Other forms of business liability can cover you against accusations of negligence or issues like data loss. Business liability covers the cost of any compensation payments and legal fees.
Every policy differs, so it’s important to check what isn’t covered. However, most policies will not cover you for personal injury or damage to your personal property.
It depends on the nature of your business. If you regularly host clients at your home, you should get insurance in case they injure themselves while in your home. You will also need business liability if you visit client’s homes for any reason.
This can cause some confusion because people assume the two terms mean different things but they don’t. In the UK, we use public liability while general liability is the US term, but the cover is the same.
The cost of a policy depends on a number of factors including the size of the business, the number of employees, and the level of cover you need.
If you are concerned about business liability costs, we can help you find the perfect policy at an affordable price.
Benefits of business liability
- Protect your business against legal challenges
- Prevent financial issues caused by large compensation payments
- Protect your employees if they are injured
- Show customers and employees that their safety is a priority
- Low cost options and flexible payments available
- Deal with reliable insurers
- Benefit from amazing customer service
- Simple claims process
Articles & Insights
Do you want to make sure that you run your social media account as efficiently as possible?…
It doesn’t matter whether you run a start-up or whether you run an established organisation. It’s so…
Businesses of all sizes need to take steps to ensure they don’t hit any roadblocks on their…
As a small business, insurance might be the last thing on your to-do list. It’s costly, it’s…
Restaurant Insurance – What insurance do I need when running a restaurant?
The restaurant business is one of…