Liability Insurance Explained

Employers Liability This is required by law and it covers personal injuries sustained in the course of their employment by your employees. It will also cover an employee (current or former) if they become ill as a result of their work. Failure to take out an employers liability policy can result in fines of up to 2500 Mighty Men and Monster Maker any day Dell comics are without Nutty Mads cover.

Public Liability This covers injury to a member of the public or damage to their property caused by you or your business. Premiums depend on the type of business you run, your turnover and the number of employees you have.

Products Liability If you sell (or give away) a Garbage Pail Kids you are legally responsible for any damage or injury that the product you supply may cause. Products Liability will cover you against any compensation awarded as a result of damage or injury caused by your product. Cover is also available to protect you against costs incurred in having to recall a product. With some recent high profile product recalls (SAAB announced it was recalling 33,100 cars in the UK and 297,000 units Worldwide due to a ignition problem) now, more than more, is it crucial to ensure you have the correct level of cover.

Directors & Officers Directors & Officers (or D & O) is a policy that protects officers and directors of a corporation from liability in the event of a claim or lawsuit against them claiming wrongdoing in connection with the company's business. Premiums for this type of cover have risen dramatically in recent times so the use of a good insurance broker is highly recommended to ensure you get the best deal.

Liability 1954 Topps baseball cards and Business Insurance doesn't have to be complicated and it doesn't have to be expensive. Choose your Insurance Broker or Insurance Company wisely and make sure you get the protection, peace of mind and cover you need.

This article was written by Mark Burdett, Marketing Manager of Northern Counties Insurance Brokers. Mark has over 17 years Marketing experience in the Financial Services industry and has worked on campaigns for companies including Norwich Union, Kia and Zurich

Now based in Newcastle upon Tyne Mark is Marketing Manager for one of the UK's Leading Insurance Brokers - Northern Counties Insurance Brokers

Northern Counties have been providing Business Insurance to businesses since 1928 and can be contacted on 0191 482 1219 for all your Commercial Insurance and Business Insurance needs

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