Public & Employers' Liability Insurance

We can build you a cost-effective policy that covers the third-party risks you face.

What is Public & Employers' Liability Insurance?

Public & Employers' Liability insurance covers against third party claims for injury or damage to someone else’s property. It doesn't provide cover for damage to your own property. 

Anything from an old doormat to a wobbly window pane to an erroneous web page can lead to a claim against you.

The most likely claims you’ll make through your corporate liability insurance will result from accidents such as slips and falls. Statistically, nearly half (48%) of all liability claims stem from such accidents.*

Engaging a broker who knows your industry and takes the time upfront to truly understand your business can result in more comprehensive cover at a highly competitive price that covers all the third-party risks you face.

*Source Allianz

What's covered in a Public & Employers'  Liability policy?  

We work with our clients to tailor a policy that meets the requirements of their business, sector, and territory. That means that we can understand our clients’ exact risk profiles, and create a policy that offers comprehensive coverage.

    Our Public Liability policies cover our clients in the event of:

    • Bodily injury
    • Personal injury (such as through defamation or slander)
    • Property damage
    • Data loss
    • Legal defence

    Who needs Public & Employers' Liability Insurance?

    Any business that deals with clients face-to-face, especially if they visit your premises, or you work using their infrastructure or equipment, for example, if you are an IT contractor.  

    Public Liability really does affect every business entity and everyone who comes into contact with it.

    Risk profiles vary by sector

    Speak to a sector specialist today

    Let's talk...

    +44 (0)20 7623 3806

    We'll put you in touch with the person best equipped to help.

    Do you have an existing policy with Howden?

    Got a question or query? Give us a few details in the box below and we'll get back to you. 

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    What to do if you are experiencing financial difficulties

    We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

    If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

    -contacting your Howden Service Team; 
    -calling Howden on 020 7623 3806;
    -using the Enquiry form.