Hayes Parsons Products

Public Liability covers you if you accidentally injure a member of the public, or damage their property, whilst making or selling your products. For example, if a customer were to trip on a box or be injured by one of your products, and it was proven you were at fault, this is the insurance that would cover the costs you’d need to pay.

Products Liability covers you against any injury or sickness caused by the products you sell. For example, if someone was to get food poisoning from your food, or injured from a broken piece of jewellery, and it was proven you were at fault, this cover would pay for the claims.

Employers’ Liability insurance is a legal requirement if you have employees, even if they work for you on a voluntary or casual basis.

This insurance covers the legal costs and compensation you might have to pay if someone was injured or became ill because of the work they do for you. Employers’ Liability insurance can only be purchased in conjunction with a Public Liability policy and comes with £10,000,000 of cover as standard.

The annual premium for £5,000,000 Public and Products Liability cover is £59.00.

To include Employers’ Liability, the premium will be £87.00.

If you would like higher limits of indemnity for Public and Products Liability (£10,000,000) prices increase to £70.50 and £98.50 (with Employers’ Liability).

Our one-day Public Liability policy is £23.00 for £5,000,000 of cover or £28.00 for £10,000,000 of cover.

All prices above include Insurance Premium Tax at 12% and an administration fee of £8.00