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Public Liability Insurance
and Employers Liability Cover

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Caunce O’Hara offer a range of business liability insurance policies, including, employers liability cover and public/products liability insurance.

Public Liability Insurance

Public Liability (PL Insurance) covers you for the cost of a public liability claim from a third party, such as a member of the public (not an employee), that has suffered injury (or death) or property damage caused by you or your employees in the course of your business activities.

It can cover legal costs for defending claims and pay compensation awarded to a claimant if your business is found to be at fault, providing you with peace of mind that your business will be covered.

Example 1) If you visit client premises in the course of your work and accidentally spill coffee on their computer, they could seek compensation for the cost of repairs.

Example 2) If a visitor to your business premises trips on stairs due to a loose mat and suffers injury. Public liability insurance will then protect you for the cost of any damages claimed and legal costs for such a claim.


What does Public Liability Insurance cover?

  • Legal expenses – Should a claim be made against you, cover will be provided to help with the cost of legal proceedings.
  • Cost of repairs – The cost of repairing damage to the claimant’s property, such as accidentally knocking over and breaking a valuable ornament in their offices during a meeting, or a plumber causing a leak/flood to a customer’s premises and damaging carpets as a result.
  • Medical fees – The cost of hospital treatment, including ambulance call-out, if a claim is made against you for these.
  • Compensation claims – Injury to third parties or damage to their property if an accident occurs on your business premises, a client’s premises or elsewhere.

For more in-depth information about public liability insurance click here.

public liability insurance from caunce o'hara. PL insurance and EL insurance.

Liability insurance protects your business, your employees and your customers and clients.

Employers Liability Insurance

Employers Liability (EL Insurance) is a business insurance policy that covers the cost of defending or settling a claim against you from an employee who has suffered injury or disease as a result of the work they do for you.

Cover can include medical costs, legal costs, and loss of incomes, as well as any other damages.

This could be an employee falling off a ladder who hasn’t received the correct training. It could also be an employee working on a production line for hours without a break. The employee may suffer a repetitive strain injury as a result.

If a former employee starts to show symptoms that have been the result of the work they performed for your business, this may also be covered. You should check your policy documents carefully to confirm this.

It is a legal requirement that this cover is purchased if you have one or more employees. The legal minimum of cover is £5,000,000.

Caunce O’Hara provide £10,000,000 cover as standard.


Who needs Employers Liability insurance?

Employers Liability cover is required by law for most businesses. You will need it if:

  • If you deduct Income Tax and National Insurance Contributions from the money you pay your employees.
  • You have control over where and when your employees work.
  • You have the right to claim profit made by your employees.
  • You provide the equipment and materials your employees use.
  • You need them to perform the job you employ them for and if the employee is unable to provide a substitute if they are unable to work.
  • You have part-time or temporary employees.


Are there any exemptions from Employers Liability insurance?

Employers Liability cover is not usually required if:

  • You are a limited company with only one person employed and that person owns more than 50% of the share capital.
  • You are a sole trader (not a limited company) who is the principal of the business.
  • You work in a Partnership where the directors are equal partners and do not employ any staff.
  • You are a company where all of the employees are direct family members.

For more in-depth information about employers liability insurance click here.


Call one of our friendly team on 0333 321 1403 for a quote today or get a quote online here

If you are looking for Professional Indemnity insurance, please click here.

Keeping your business covered

Our flexible policies let you choose the right level of cover for your business. And if you’re not sure, just give our knowledgeable insurance experts a call and we’ll help you choose. Our cover includes:

  • Public liability insurance

    Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business

  • Product liability insurance

    Cover up to £2 million for legal fees and damages if your product causes injury or damage to your customers

  • Employers’ liability insurance

    Legally required for your business, we provide £10 million cover if you have to pay compensation or legal fees because your staff get ill or injured at work


  • Competitive pricing
  • Dedicated handlers to assist with your queries
  • Documents issued instantly via e-mail
  • Access to your own claims team
  • Cover for legal defence costs and compensation bills
  • Monthly payments
4.8/5 4.85/5
  • "Insurance Renewal - Plenty of warning up front as to renewal date, requests for any changes and quote. Reminder leading to actual renewal date. New certificates available on date agreed. Can't complain at all about the service."
  • "A very helpful, kowledgable and adaptable telephone advisor enabled discussion beyond standard questions in order to secure the most approprite insurance honed to my business deeds and relevant discounts. This led to the most comptitive quote over other larger companies."
  • "I have automatically renewed my indemnity insurance for several years but as I have gradually reduced work commitments I needed to discuss my options prior to making a decision about renewal.
    I found the person I dealt with very helpful and knowledgeable about my options."
  • "All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
  • "I have been with Caunce O'Hara for almost 12 years now and am always very pleased with their service and customer support as well as the costs for the cover."
  • "Used these before then changed to another broker who could not help me with an update to my insurance. Caunce O'Hara had no problem and set up my insurance in about five minutes. Highly recommended."
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0333 321 1403

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