General Liability Insurance

A range of covers to suit your needs

We can provide general liability insurance to protect your business in the event of a claim made against you by a customer, employee, member of the public or other third party.

Public liability insurance (as general liability is known in the UK) provides cover for public injury and damage claims. It can also cover a range of other liability insurance products including employers’ liability and product liability.

If your business prides itself on delivering a high quality product or service, more often than not you'll have a long line of satisfied clients and customers who will come back for more. But what if something goes wrong? It could leave you facing a potential third-party claim. That's when having a suitable level of business liability insurance in place can be so important.

Gallagher has access to a range of general liability insurance coverage through our insurer panel, with some that include exclusive enhancements.

Get in touch today to discuss the commercial liability insurance options available for businesses, including:

Public liability insurance
Products liability insurance
Employers’ liability insurance

Call us today on 0800 612 3635 or complete a simple online form and we’ll organise a time to walk you through the available range of options relevant to your needs.

What is general liability insurance?

As a business, you might be aware of commercial general liability insurance. Instead, our equivalent is called public liability insurance. And this form of company liability insurance can be such a key piece of protection to have in place – not least if your business operates in a high-risk sector.

In most cases, a liability insurance policy is designed to protect you from third-party claims. That means helping to ensure you aren't left to count the cost of a huge legal bill if something you do causes damage or injury to a client (or member of the public). At the same time, however, it's important your small business liability insurance is properly made to measure. And that's where Gallagher can help.

For your business liability insurance needs, call us now on 0800 612 3635 or get in touch online.

What are the different types of liability insurance?

In the UK, there are different types of business liability insurance providing specific levels of cover for a broad spectrum of industries, sectors and occupations. Commercial liability insurance can sometimes seem complex or confusing which is one example of where an insurance broker can be of value to your business. There are three primary liability insurance products that may be relevant to your specific needs.

Public Liability Insurance

With public liability insurance cover, you have protection if you're at fault for an injury or damage to a client or member of the public. In certain industries it can be essential to have this cover in place before you can commence trading and if a third-party claim is made against you, public liability insurance may cover all or some of the legal costs associated with defending a claim.

The cost of business liability insurance coverage versus the impact of managing the financial impact of a claim means public liability insurance can make all the difference for many businesses. Explore how Gallagher can help with your public liability insurance needs.

Products Liability Insurance

Do you design, manufacture or supply products? This form of professional liability insurance is an important consideration. It doesn't matter if you sell, rent or donate a physical product to someone. If it's faulty and causes injury or damage, you could be held legally responsible. If you didn't directly make or manufacture the product yourself, you may still be liable to pay damages, even as a third-party supplier.

Products liability cover offers a layer of protection from the cost of compensation if a claim is made against you, subject to the scope of insurance purchased.

Employers' Liability Insurance

Few types of liability insurance are a mandatory legal requirement – although some industry bodies and clients may stipulate having certain cover in place. Employers' liability insurance is legally required for businesses that have one or more employees on their books. Your general liability insurance coverage must be worth £5 million. Don't have it? You could be fined £2,500 per employee every day.

Employers are responsible for the health and safety of all employees whilst at work. Failing to have Employers’ Liability Insurance could lead to a significant fine from the Health and Safety Executive (HSE). If an accident occurs and an employee is injured or becomes ill as a consequence of work-related activities, they may make a claim for compensation against you.

Unsure about the different types of liability insurance? Need advice on what level of commercial general liability coverage is suitable for you? Give us a call. We’re providing insurance and risk management solutions for businesses of all shapes and sizes. Simply call us on 0800 612 3635 or get in touch online.

Why do I need professional liability insurance?

No one wants to think about the worst-case scenario. Whilst an accident can happen in a split second, the impact can be felt for a long time afterwards. This could be due to injury; damage to property or equipment, or the legal costs of defending a claim.

This is where professional liability insurance comes in, offering a safety net and a layer of protection to help keep your business moving forward in the event of a claim.

A genuine mistake or oversight in your work may result in a customer or member of public being injured. Or you may accidentally forget to do something that leaves a client facing a large bill, or offer advice or a recommendation that delivers a negative result. These are just some of the scenarios where general liability business insurance can come to the rescue.

How much does general liability insurance cost?

With operating overheads and cash flow a consistent concern for many businesses, adding a commercial general liability insurance cost to the list won't always be a number one priority. We have access to a range of competitive premiums and tailored packages, so ask our team to arrange a liability insurance quote for consideration.

And by ensuring your cover reflects your specific needs, you can benefit from a tailored solution rather than a one-size-fits-all cost. We can also offer small business liability insurance solutions that take into account the way you do business, your claims history and other factors that will go into shaping your quote.

Got a question? No problem. Call us today on 0800 612 3635 or get in touch online.

Who does Gallagher work with?

From tradesmen to aerospace innovators, Gallagher is working in partnership with individuals and businesses across a diverse range of industries, sectors and occupations. Our objective is to provide businesses owners, insurance buyers and company directors with the level of commercial general liability insurance they need to provide products and services to their customers.

We support sole traders, partnerships, limited companies and large corporations. Come to us for your business liability insurance and you'll join more than one million UK businesses who choose Gallagher as their insurance broker.

Why choose Gallagher?

Finding a trusted insurance partner is a high priority for many UK businesses. Gallagher can provide access to a comprehensive business liability insurance solution and competitive premiums.

Since 1927, Gallagher has been committed to providing commercial and personal insurance solutions, and supporting businesses to achieve their future aspirations. Our extensive knowledge of general liability insurance and risk management enables us to tailor a level of coverage to reflect your specific needs. By doing this, you could have added peace of mind and value for money that can matter so much when trying to get ahead.

No matter the size or sector of your business, our bespoke liability insurance policies can help to ensure you won't be left high and dry when something goes wrong.

How can I find out more?

Looking for business liability insurance coverage or unsure which types of liability insurance you need? No problem, let’s talk. Call us today on 0800 612 3635 or contact us online and we’ll be in touch soon.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.