Public and Employers' Liability

Freelancer Public and Employers' Liability Insurance is tailored to provide your business with the protection required to meet your statutory obligations.

Freelancer Public Liability Insurance

Freelancer Public Liability Insurance will indemnify you for your legal liability for injury or death to third parties and damage to third party property as a result of negligent acts by you or your employees. The insurance will also cover third party costs and expenses.

The cover is extended to include temporary employees provided the total number of days for such employees does not exceed 50 days during any one period of insurance.

Freelancer Employers' Liability Insurance

Freelancer Employers' Liability Insurance will indemnify you for your legal liability for injury or death to employees, including claimants costs and expenses.

The cover is automatically extended to include temporary employees provided the total number of days for such employees does not exceed 50 days during any one period of insurance.

Employers' Liability Insurance is compulsory for any business that has one or more employees whether they are permanent, part time or temporary. The only exception to this is if you are a ‘Ltd’ Company and you are the only employee and you own at least 50% of the issued share capital of the company. In this respect you are exempt from the need to purchase Employers' Liability Insurance.