Commercial Liability Insurance

Commercial liability insurance provides cover for sole traders, partnerships or limited companies to ensure that you are personally protected against any business losses.

Protect yourself against losses that your business may incur due to results of your efforts or negligence. Commercial liability insurance is available for any business that provides a service or product and is highly recommended for businesses of all levels.

Our dedicated commercial liability team in Northwich can help advise you on all aspects of commercial liability insurance to ensure you have the right level of cover in place and secure the best deals without compromise on cover. Depending on the complexity of your cover, we can generally provide quotes within a few days.

Types of commercial liability insurance

There are many different types of commercial liability insurance available and while not all of them will be relevant to your business or industry, it’s important to understand the different options available. The types of commercial liability insurance include:

    • Public liability – This covers your legal liability arising out of your business activities and limits any one claim. Cover typically ranges from £1 million to £10 million. The amount of cover you will require depends on your business.
    • Employers liability – Is a mandatory insurance if you have employees. The minimum legal limit is £5,000,000 but cover generally starts at £10million.
    • Products liability – if your business sells products, then products liability is an extension to public liability and covers your legal liability around the sale and delivery of products. Limits generally start at £1million for any one claim and policy period.
    • Combined liability – A combined liability policy combines all three types of commercial liability insurance and includes an element of plant and tools cover with no minimum or maximum levels.

Looking for commercial liability insurance advice in Cheshire?

If you would like commercial liability insurance advice, please get in touch via our enquiry form and a member of our team will be in contact to discuss your requirements and the best options for your circumstances.

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