Nurse indemnity insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public and product liability insurance?

Claims against your business for:

• any injury or illness caused by you at work, or because of your work
• property damage caused by your business
• injuries or accidental damage caused by one of your employees, if you have any

For example:

• you accidentally knock your client’s car when parking up outside their house, causing damage to the paintwork on one side
• a customer trips on a loose cable while on your premises, falling and breaking their arm in several places
• an employee is mopping the floor, but forgets to put up a safety sign, causing an electrician to fall and injure their back

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for you

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury that happens as a result of working for you (including temps and casual workers)
• an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your employee injures their lower back while moving furniture at your premises and holds you responsible
• an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
• a member of staff trips over while unloading business equipment, injuring their knee

Business contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

• theft or vandalism to your office furniture or business equipment
• damage or destruction caused by fire or flood

For example:

• a fire caused by faulty electrics destroys your office furniture and other contents such as business equipment
• someone forces entry to your business premises and graffitis your office furniture
• a leaking pipe floods the ground floor of your business premises, and you need to replace your damaged contents

Read more about business contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

What’s typically covered by business legal insurance?

Claims against your business for:

• costs and expenses for disputes relating to debt recovery, including judgement enforcement
• disputes with debt collectors, or any party who takes legal action against you, as a result of identity theft
• costs and expenses for contractual disputes arising from an agreement

For example:

• one of your clients isn’t happy with your work and believes you haven’t met the contractual requirements
• someone gets access to your company’s bank details and uses them to buy goods and services
• your client is disputing a contract they had with you on the provision of a service

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

• accidental injury or death at work or elsewhere, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• you twist your ankle while exercising and can’t work for over a week
• one of your employees, who’s named on the policy, traps their hand in a car door and needs to rest it for two weeks
• you’re working near a building site and an extremely loud noise results in sudden hearing loss

Read more about personal accident insurance