Public liability insurance doesn’t cover claims made by employees. It’s designed to cover compensation claims made by a third party - for example a client, a customer, a supplier, or another member of the public - because they’ve been injured or their property’s been damaged by your business.
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Does public liability insurance cover employees?
No, public liability insurance does not cover employees - it protects your business against claims from third parties like customers or the public, whilst employee protection requires separate employers' liability insurance which is legally mandatory for UK businesses with staff and covers workplace injuries, accidents, and work-related illnesses affecting your employees.
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