Business Insurance Users

Liverpool Business Insurance

Liverpool business insurance advances your company's financial interests in this rapidly growing centre of commerce, education and tourism. As the fourth largest city in the UK, Liverpool offers a wealth of opportunities to large businesses and smaller companies alike. To protect your success and ensure your assets, invest in a comprehensive business insurance policy that will help your company further its goals.

Since the 1990s, Liverpool has been experiencing an economic revival. Education, health care, economic, insurance and tourism have contributed to this Merseyside city's financial fortunes. Having come out of a period of decline, Liverpool is thriving and offers a vibrant climate for new businesses. The tools on our site can serve as your guide to affordable Liverpool business insurance, including business vehicle insurance, for a small company or a large corporation.

Reliable Cover for Employees

Insuring your employees is a serious matter in England. A business with one or more employees is required to carry employer's liability insurance. This type of cover protects your financial interests and your employees' health. If one of your workers is injured on the job or falls ill due to conditions at work, your employer's liability insurance will compensate your employee for the costs of medical treatment or property loss.

The legal consequences of failing to have employer's liability cover can be severe. Your business can be fined each day until you obtain the legally required coverage. If your company doesn't comply, the Health and Safety Executive, which oversees work place safety in the UK and MSY, has the authority to shut down your business.

In addition, if you are pursued for compensation by an employee who was injured on your premises and you don't have Liverpool business insurance, your company could be held financially liable for injuries and losses. Paying for medical care, rehabilitation, loss of wages and other expenses for an injured employee could ruin your business. Protecting yourself with Liverpool business insurance is not only a legal necessity; it's crucial to your company's stability.

Employer's liability cover also assures your staff that their employer is concerned about their safety and welfare. Your employees want to know that they have financial recourse if they suffer physical harm or lose property during the course of a work day. Business travel cover is also required when your employees travel overseas for work purposes.

Liverpool Commercial Liability Insurance

Public liability claims are among the most common commercial claims in the UK. Although you aren't required to carry this type of coverage as part of your Liverpool business insurance package, protecting yourself against claims filed by customers, clients or vendors makes good sense financially. If you own a shop or restaurant in Merseyside where customers congregate, public liabilities cover can help you avoid expensive lawsuits.

As the tourism industry grows in Liverpool and the average income rises, the number of restaurants and pubs has increased. If you operate a restaurant or any other establishment where alcohol is served, you are at risk of a lawsuit if customers or members of the general public are injured on your premises. Protecting your financial interests against a lawsuit could save your establishment if one of your customers is seriously hurt and makes a claim against you.

If you are a highly educated professional who provides solutions or gives advice to the public for a living, you are required to have professional indemnity coverage. This form of Liverpool business insurance insures you against accusations of negligence or failing to give correct advice. Your policy also covers you for failing to take certain measures that might have produced a client's desired outcome, or for creating a design that failed to produce the intended results.

Attorneys, architects, doctors, engineers and therapists require professional indemnity coverage to practice safely and legally. In some cases, your clients may determine the amount of protection that you're required to carry. Professional indemnity is not only a Liverpool business insurance requirement; it's a necessity for maintaining the financial stability and integrity of your practice in Liverpool.

Tailoring Your Policies

Along with commercial liabilities, Liverpool business insurance can protect your premises and their contents. Buildings protection insures the structural features of your premises, while contents protection provides benefits to replace damaged or stolen equipment, supplies, furnishings or other movable assets. Commercial vehicle insurance is required if you operate a van or car as part of your work.

Compare quotes from a number of companies on combined Liverpool business insurance policies. Using the resources on our site, you can request information from multiple companies that insure businesses like yours. Whether you operate a restaurant, a boutique or a machine shop, you can find coverage that's tailored to your company's requirements. The premiums that you pay for your protection provide not only greater security for your company, but greater peace of mind for you and your staff.