What is Public Liability?

This will cover your should a third party wish to make a claim against you (sue you) where you are responsible (negligent) for causing them either injury or damage to their property.

Why do I have Products Liability?

This section of the policy covers you for claims arising from products supplied by you during the course of your business activities, for some of our policies this is included free of charge.

What is Professional Indemnity and do I need it?

If you give professional advice as a service for a separate fee and that advice results in either a physical or financial loss, professional indemnity cover will protect you against this loss.

What is an excess?

An excess is the first part of any claim which you have to pay.

Are you the insurance company?

No, we are an insurance broker.