At Moriarty Insurance, we specialise in making Business Insurance simple. Liability Insurance policies include three essential covers: Employers’ Liability, Public Liability, and Products Liability. Together, they help safeguard your business from claims that could otherwise disrupt operations or impact your finances.
Below, we break down what each type of cover includes – and who needs it.
Employers’ Liability Insurance
If your business employs anyone – whether full‑time, part‑time, temporary, or casual – Employers’ Liability is a legal requirement in the UK. It protects your organisation if an employee becomes injured or ill as a result of the work, they carry out for you.
Who needs it?
Why it matters
Even with strong safety procedures, accidents can happen. Employers’ Liability is a vital part of your Business Protection strategy, covering compensation claims, legal fees, and unexpected costs.
Public Liability Insurance
Public Liability protects your business if a customer, visitor, or member of the public suffers injury or property damage due to your business activities – whether on your premises or out on a job.
Who needs it?
Why it matters
A simple slip, trip, or accidental damage can lead to significant claims. Public Liability is one of the most widely used types of Commercial Insurance, offering essential protection for businesses of all sizes.
Products Liability Insurance
If your business manufactures, supplies, distributes, or sells products, Products Liability is essential. It protects you if a product you provide causes injury or damage due to being faulty or defective.
Who needs it?
Why it matters
Even with rigorous quality control, product issues can arise. Products Liability ensures your business is protected from claims linked to product faults – a crucial part of comprehensive Corporate Insurance and Business Insurance for product‑based companies.
Why Choose Moriarty Insurance for Your Business Protection?
At Moriarty Insurance, we specialise in clear, tailored Corporate Insurance and Commercial Insurance solutions. Our team takes the time to understand your operations, explain your options, and build a Liability Insurance package that fits your needs and budget.
Whether you’re a growing start‑up or an established organisation, we’re here to help you strengthen your Business Protection and operate with confidence.
Protect your business today
Speak to our Business Insurance specialists for expert advice and a tailored Liability Insurance quote.
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