Employer's and Public Cover
If you employ staff in any kind of role you will need some employer's limited liability insurance for small businesses to keep you protected against claims made for damages. Once again the industry you work in influences the depth of coverage you require but if you think you can scrimp on this policy because you run small office businesses with limited staff numbers, you are mistaken. Accidents can happen anywhere, even in the most placid office space, and if they do you will need employer's liability insurance to cover the claim and the payout.
Think now about the general public and how your work may affect them. Do you work in the vicinity of members of the public or is your premises open to the public? If either of these are the case you will require some public liability insurance for your small businesses. This is not limited to restaurants, nightclubs or big festivals. Anywhere that the public may have access to can become the scene of an accident and when it does the owner is going to be to blame. In order to illustrate how this can happen even in the calmest work place, let's take an example.
you run an office with limited numbers of staff, which generally is not visited by the public. One day a salesman comes in from your supplier of office furniture to show you some new samples. By the water cooler a small amount of liquid has formed on a hardwood floor and has not been noticed by any member of staff. The salesman slips on the water and breaks his hip and one week later a claim for damages is levelled at the company. This shows how even businesses that do not deal regularly with the public require public liability insurance in order to remain protected.
Limited liability insurance for small businesses comes in various shapes and sizes. The most important thing to keep in mind is that, no matter what kind of company you run, it is likely that you will need some provision in all areas. Accidents happen in all kinds of workspaces and when they do the company is liable for a claim. Start searching for limited liability insurance for small businesses today and be sure you go into business protected.
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