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Public and Employer's Liability Insurance

The vast majority of fleets are owned by businesses, so it comes as no surprise that business owners and fleet managers often need additional cover such as Public and Employer's Liability.

When it comes to managing a fleet, Public and Employers Liability Cover is an important aspect for you to consider. As we have access to leading insurance providers, we could find competitive Liability Cover that is suitable for a variety of needs.

Public Liability Insurance

For any business that has employees interacting with the public, you should be covered by Public Liability Insurance. Interacting with the public can even be as simple as having visitors to your business premises, visiting clients at their own property, or coming into contact with the general public.

At Insure Fleet, you can add Public Liability Cover to your existing fleet insurance policy to provide additional protection for your fleet business.

Public Liability Insurance provides cover for legal costs, fees and compensation, protecting businesses against claims related to third party bodily injury, or property damage. This cover ensures that the financial burden of such claims is not borne solely by your business, offering peace of mind and allowing you to focus on your core operations.

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What could happen if you don't have Public Liability Insurance?

Without Public Liability Cover, any costs incurred due to a claim against your fleet business would become your sole financial responsibility. By investing in Fleet Insurance that includes Public Liability cover, you could ensure that your business is protected from the financial burdens associated with claims brought against you.

If you’re not insured, you could find yourself without the financial safety net that Public Liability Insurance provides. With Public Liability Insurance, you will be covered for repairs, medical fees, personal compensation and any legal costs.

Employers' Liability Insurance

Whether you employ one person, have a workforce of thousands, or have volunteers, it’s required by UK law to have Employers’ Liability Insurance.
Employers have a legal obligation to provide a safe and secure working environment, and Employers' Liability Insurance helps fulfill this responsibility. If an employee is injured or becomes ill as a result of an accident at work and they believe you are responsible, they may be able to seek compensation. Without Employers' Liability Cover, businesses can face significant financial consequences, including legal expenses and compensation claims.

For example if you own a taxi firm, courier company, delivery business, or if you provide staff with company cars, having Employers' Liability Insurance combined with your Fleet Insurance policy could be highly beneficial to the smooth running of your commercial business.
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How can Employers' Liability Insurance help your business?

By having Employers' Liability Insurance in place, businesses can demonstrate their commitment to employee safety while protecting their financial stability in the face of unexpected incidents. This type of cover protects businesses against claims from employees who suffer an injury or illness while on the job.

For fleet owners, this cover is particularly important as employees may spend a significant amount of time on the road, increasing the likelihood of accidents or injuries.

We could organise Employers’ Liability Insurance for you as a standalone policy or combined with a Public Liability Policy – combining the policies keeps everything in one place, with just one renewal date, making your business life a little bit easier.