Public and Employers Liability Insurance

From £46.80

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Qdos Public and Employers Liability Insurance and Public Liability Insurance policies are a key consideration for any business, with affordable premiums to suit the risks of professional contractors and fast and easy application so you can get the cover you need straight away, plus affordable cover for offshore contractors including rope access and rigging.

Public and Employers Liability Insurance will protect you against claims where injury or death has been suffered by third parties or employees, and claims where you are alleged to be responsible for damage to third party property.

If you are providing your services in an office environment and do not undertake any manual work (e.g. involving tools), your exposure to the type of claims covered under an Employers and Public Liability policy are inevitably low.  With this in mind, Qdos are able to offer appropriately priced policies that will allow you to meet your statutory and/or contractual obligations.

Offshore Contractors

The offshore working environment is highly specialised and, consequentially, many insurers choose to avoid offering cover to those providing services in such locations.  Qdos has worked hard to understand the risks associated with offshore work and are able to offer Employers and Public Liability to a wide variety of self-employed workers (including those providing rope access services) at highly competitive rates. 

Public Liability Insurance

Public Liability Insurance will react in circumstances where a third party (an individual person, or a corporate entity) brings legal action against you in respect of physical injury, or damage to property, caused by you in the course of your business.

If someone tries to claim you have damaged their property or physically injured them in the course of your work, a Public Liability policy is designed to defend your case and, if necessary, pay the damages owed.

Please note that there is a £500 excess for any one claim applicable to Public Liability Insurance

Employers Liability Insurance

Employers Liability Insurance will react in circumstances where an employee seeks to bring a claim against you for personal injury incurred in the course of their employment with you.

If an employee is injured or killed whilst working for you, you may be required to pay compensation – Employers Liability Insurance will defend such a claim and pay the damages for which you are liable.

Please note that Qdos Employers Liability Insurance cannot be purchased in isolation and is only available where Qdos Public Liability Insurance is purchased.

There is nil excess applicable to Employers Liability Insurance.

Please see the full Policy Wording for more information.