Liability insurance cover information

Further information on what your policy covers.

Hiscox Public Liability and Employers’ Liability Insurance cover provides cover for compensation you have to pay a member of the public or an employee following accidental injury, or compensation that you have to pay a member of the public for damage to their property.

Our public liability insurance cover protects you against risks such as:

Risk	Example
Injury to the public	A client trips over a computer cable whilst attending a meeting at your office and is injured.
Property damage	An employee knocks a cup of coffee over a client’s laptop and it has to be replaced.
Legal costs	Fees and expenses for defending yourself against any prosecution under health and safety legislation.

Our employers’ liability cover protects you against risks such as:

Risk	Example
Injury	An employee claims because they are injured or ill because of work.
Legal costs	The cost to defend yourself if the government or an administrative or regulatory body brings a criminal prosecution against you.
Breaking the law	If you employ staff, you must have a minimum of £5m employers’ liability insurance.

Find the right level of cover for your business

When working out the right level of cover for your business, you should consider:

what are the main risks you face
how much the most serious claim you might face could cost (not forgetting legal fees)
whether you have any contracts which stipulate that you have to buy a certain level of cover

For more details on our cover, see our liability insurance policy wordings >

Call us on 0845 213 8900 for more help if you have more than seven employees, or your turnover exceeds £750,000.