If your organisation comes into contact with the public you should consider buying Public Liability insurance. This cover protects your organisation against claims which could be made against you for accidental damage to property and compensation for accidental injury to third parties, where you may be at fault.
If injury or damage does occur, and your organisation is thought responsible, a claim could be made against you. If the claim is successful, you would be liable for paying compensation unless you are insured.

PRODUCT LIABILITY INSURANCE - is included within your PUBLIC LIABILITY cover. This protects you in the event that your product causes injury or damage to a person or their property. You could be liable to pay compensation in these circumstances even if you didn't manufacture the product, and the costs can be severe.

Upto £5000 of contents for tools/equipment + £50,000 legal expenses

Employers' liability insurance protects you against the cost of compensation claims arising from employee illness or injury, sustained as a result of their work for you. It is a legal requirement if your business employs one or more people.

Being a Director or trustee of charity is an important role. There are numerous areas of regulation and law that Trustees have to comply with and these can be demanding at times. Given that trustees are only human there is always the chance that they can make mistakes.
For the charity to meet any losses and legal costs, we offer Trustee Indemnity Insurance (also known as Trustee and Management Liability) cover. This protects the trustee and charity as a whole against liability arising from a wrongful act by a trustee.