FAQs - Public & Employers Liability Insurance

At constructaquote.com, we try to answer any questions you might have about the products and services we provide. 

If you find that your question is not answered below, please don't hesitate to contact us direct by using the number at the top of this page, by submitting an enquiry form on the Contact Us page, or by getting us to call you via our 'call back' option.

Why do I need public liability insurance?

It is essential to have sufficient public liability insurance cover to protect yourself and your business against claims of negligence resulting in injury to a member of public or damage to property. Most customers insist on a public liability insurance policy being in place before you can commence work, so it’s worth being prepared to avoid unnecessary delays.

What is public liability?

Public liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by any other person, other than employees, or loss of or damage to their property caused by the contractor.

What is the limit of indemnity for public/products liability?

The limits are usually £1,000,000, £2,000,000 or £5,000,000, however, this can go up to £10,000,000 and beyond if required.  If you think you need more public liability insurance cover or your needs are very specific, call our specialists on 08081 68 68 68.

What is employers’ liability insurance?

Employers’ liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by any employee in the course of their employment. 

How do I know if I need employers’ liability insurance?

Every business employing staff is required by law to take out employers’ liability insurance. This includes businesses that employ sub-contractors, temporary workers, and trainees. Employers’ liability insurance cover is mandatory if you are a limited company.

What is the limit of indemnity for employers’ liability?

The minimum level of employers liability cover required by law is £5 million. However, for added peace of mind, all of the policies we supply contain a minimum of £10 million worth of cover, with the ability to increase this limit if required. 

How do I get a policy?

constructaquote.com’s online quotes system compares public liability and employers’ liability insurance quotes from a number of our partner insurance companies on your behalf, so you can obtain low cost cover quickly. Simply fill in your details and we will present you with our most competitive public liability insurance quotes for you to select from.

Our UK based team are also available on 08081 68 68 68 to answer questions and provide quotes.