Our pick of helpful public liability insurance questions
What do I do if I have multiple trades?
You have the option to input up to seven trades so that we can fully understand your business. If you need some help selecting the right trade please call us on 0345 878 8194.
How far in advance can I get a quote?
You can get a quote up to 30 days in advance.
What does Public Liability cover?
This provides cover against your legal liability for death or bodily injury (other than to an employee) and / or loss or damage to third party property arising out of the operation of your business.
What if my trade is not on the list?
If you can not find your exact trade, or one that best matches what you do, on the list provided please call us on 0345 878 8193. Calls may be recorded.
Why do you need my Employer Reference Number (ERN) when I request a quotation?
If you select Employers’ Liability and your business is not exempt from holding a HM Revenue & Customs (HMRC) Employer Reference Number (ERN), you’ll need to tell us your ERN.
We need to give Employers’ Liability insurance policy details including, where appropriate, your ERN, to the Employers’ Liability Tracing Office (ELTO) who will add the details to their electronic database. The database helps people who have suffered injury or disease at work in the UK quickly and easily find the insurance company which was providing Employers’ Liability insurance at the time their injury or disease was sustained.
If you wish to make a complaint please view our complaints procedure.