Business

• Q: What does public liability cover?

  A: It covers any damage or injury caused by you for which you are legally responsible to a Third Party or their property.
  

• Q: What does employers' liability cover?

  A: Employers Liability is a legal requirement and as an employer, you are responsible for the health and safety of your employees while they are at work. In the event your employees are injured at work, they may try to claim compensation from you if they believe you are responsible. Employers' Liability Insurance can help you meet claims that you are legally liable to pay.
  

• Q: Do I need a business name?

  A: Not necessarily. You can arrange cover in your own name as a sole trader and employ people to work for you. You will still be able to have employer's liability. If you have a business that pays salaries then the policy needs to be arranged in the business name which could be Ltd, Plc or LLP etc.
  

• Q: Can you cover my van under my office policy?

  A: No. You would need to insure this under a Commercial Vehicle Motor Insurance policy as office policies will not extend to cover the Road Traffic Act for Third Party Property Damage.