Buisness

Your business is vulnerable to claims from both employees and customers, so in addition to making your business premises as safe as possible, the following types of insurance cover offer protection from compensation claims and for damage to your own property.Employers Liability Insurance Required by law if you have employees, this type of insurance protects you from claims from staff who have been injured or made ill at work through the fault of your business.Publicly Liability Insurance.The nature of your business means that customers will be visiting your premises to shop, and if they happen to have an accident and injure themselves whilst there, you might end up facing a claim if it was your fault.A customer might, for example, trip on a carelessly discarded box or item that has fallen from an overstocked shelf. If they hurt their back, or put their hand through a glass display resulting in a serious injury, they are likely to try to claim compensation.Public Liability Insurance covers such claims and usually any legal expenses involved.