Liability insurance is easy to buy but you need to make sure that the cover is appropriate for the legal and moral risks faced by your business.

In the simplest sense it refers to something that causes a problem or hindrance. An example is, if your health and safety standards slip this could result in an accident and a potential claim against you.

Considerations

1. Employee Welfare

Part of your duty to your staff is the provision of facilities for basic needs such as a toilet, heating and facilities to make or buy drinks.

Employees also need to feel safe at work. It’s not only about reducing accidents, but it also reassures your staff that you are looking out for their welfare.

2. Public Welfare

The welfare of the general public who come into contact with your business such as visitors to your workplace or passers-by must be considered to avoid possible claims against you.

It’s worth conducting a health & safety risk assessment. A good starting point is to walk round the site and make notes of potential hazards. The best way to do this is by using a risk assessment sheet, examples can be found the Health & Safety Executive website.

If you would like to review your business insurance including public liability, please get in touch with the team at Lockyers or call 01924 278222.