Liability insurance is designed to pay any compensation and legal costs that occur if an employer is found to be at fault.
This type of insurance covers any awards given to a member of the public because of an injury or damage to their property caused by you or your business. It also covers any related legal fees, costs and expenses. Premiums depend on the type of business you run, your turnover and the number of employees you have.
Talk to a professional! There are many conditions and exclusions that can be applied to public liability policies. It is therefore important that you shop around and discuss with an insurance broker any that are applicable to your policy.
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