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
All businesses are unique so to make sure you’re covered, get in touch with our team of experts.

"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"

Karl Stevens
Group Finance Director

Retail

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.

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Our team are experts in arranging insurance solutions for your industry.

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FAQs

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?

Whilst we always prefer to undertake a site visit to fully understand your business requirements, at Miles Smith we appreciate your business requires daily management. If you are unable to accept a visit then we will happily conduct our exercise via phone or email.

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