Employers’ Liability, Public Liability and Product Liability
If you have employees then it is a legal requirement that your business must purchase employers’ liability. It is advisable that your company also protects itself from potential claims from the public and other third parties, as well as protecting any products you manufacture or store. We work with you to understand your potential liabilities and risks to create insurance solutions that keep you protected.
We have years of experience in providing liability covers for a range of different scenarios. Our public liability insurance provides cover against claims made by members of the public who have sustained injuries or damage as a result of your business. Our employer’s liability insurance, which is a legal requirement for nearly every business that employs at least one person, offers protection if an employee is injured or becomes ill as a result of the work they do for you and sues for compensation - and it also covers any legal fees you have to pay. Finally, our product liability insurance is designed to protect against claims for injury or damage from a product sold by your business.
- What’s typically covered?
- Injury and illness, as well as death, for employees and third parties
- Defence costs
- Compensation payments
- Payments ranging from £1 million to £10 million
"Miles Smith staff are friendly, extremely approachable, responsive and very much work with us, allowing us to get on with the day-to-day running and growth of our business"
Group Finance Director, Belfield Group
We were first introduced to Miles Smith in 2014 by our financiers. Miles Smith were able to demonstrate that they could streamline our Insurances and in so doing, reduce our premiums considerably. We therefore transferred to them mid-term and immediate savings were negotiated with the holdings Insurers.Read more
Contents and Stock
If there was an incident at your business premises and you lose...Read more
Contingency cover protects you financially should you suffer losses from an issue...Read more
The impact of fraud can be wide-ranging. Crime cover helps protect you...Read more
A cyber policy is designed to provide support and protect your business...Read more
Employment Practices Liability
Employment Practices Liability, sometimes referred to as EPL, provides cover to employers...Read more
Latent Defects Insurance, sometimes referred to as LDI, is a type of...Read more
Legal Indemnity offers protection for property purchasers primarily against issues that arise...Read more
Professional Indemnity, sometimes referred to as PI, provides financial support for legal...Read more
Trustee Indemnity cover offers protection for trustees and their charities in the...Read more
Contract Works is designed for builders and tradesmen and provides cover for...Read more
Contractors All Risks
Contractors All Risks cover protects employers and contractors against your responsibility for...Read more
Does my trade fit within Miles Smith's appetite?
Please call us to discuss your specific needs and we will be happy to assist.
If I am too busy to see a representative from Miles Smith what can I do?
We understand that many businesses are currently working from home, or where they are on-site, working life has changed to reflect social distancing measures. As we are currently working remotely, we can conduct our exercise via phone, email or video call.