Public & Employers Liability

Essential cover for everyday business risks

Whether you’re a sole trader, contractor, small business, or growing employer, having the right liability insurance in place helps protect your business against unexpected claims and legal costs. We arrange liability insurance for hundreds of different trades and occupations, helping your business secure protection that reflects your work and the risks you face.

What Liability Insurance is right for you?

Choosing the right liability insurance can sometimes feel confusing, particularly if you’re unsure whether you need Public Liability, Employers’ Liability or both.

Public Liability Insurance helps protect your business if you’re held responsible for injury to a member of the public or damage to someone else’s property as a result of your work. It’s often considered essential for businesses that work with customers, visit client premises or operate in public spaces.

Employers’ Liability Insurance helps protect your business if an employee becomes injured or suffers an illness as a result of their work. If you employ staff, this cover is usually a legal requirement.

Not sure which cover is right for your business? Get in touch and we’ll help you identify the protection that’s most appropriate for your activities and requirements.

Key Features of Liability Insurance

Public & Employers' Liability

Protection against claims involving customers and available for employees with cover up to £10 million available.

Flexible Cover Limits

Liability cover available up to £5 million, with higher limits considered by referral.

Additional Business Protection

Optional cover can often be arranged for tools, equipment, stock, contents and business interruption.

Flexible policy options

Choose standalone liability insurance or a wider package policy designed around your business requirements.

Liability Only or Package Insurance?

Every business is different, so we can arrange either:

Package Policies

Liability Only

Ideal for businesses that simply need protection against claims from customers, the public or employees.

We’ll help identify the type of policy that best suits your business.

Why choose Hodgson Insurance Services for your Public & Employers’ Liability Insurance?

Independent Advice

A family business built on honesty, care and community, providing suitable recommendations.

Tailored Cover

Insurance built around your exact needs not one-size-fits-all policies. Aiming to provide personalised, flexible and great value insurance packages.

Market Access

We shop the market, so you don’t have. Accessing leading UK insurers and specialist schemes, including markets not available direct to the public.

Trusted Experts

Experienced team helping businesses and families across the UK stay protected since 1977.

Get your Public & Employers’ Liability Insurance quote today

Get a free, no-obligation quote today — or speak to our team on 01288 353999.

Discover our related services