- Public Liability Insurance for surface small business advisers.
- Employers Liability Insurance
- Business Equipment and Tools Insurance
Why does a self employed small business adviser require liability insurance?
Anyone in business faces the daily risk of legal action being taken against them in respect of their legal liability for personal injury or property damage arising during the course of the business and the self employed small business advisers is no exception. Public liability insurance protects you against claims made against you for your legal liability for personal injury or property damage sustained by third parties arising in the course of the business. Employers liability protects you against claims from employees for your legal liability for any death, disease or injury sustained during the course of their employment and it is a legal requirement for the majority of employers in the United Kingdom.
As a professional you may also wish to consider professional indemnity insurance for small business advisers to protect you against claims made against you in respect of your legal liability for loss arising from a breach or alleged breach of professional duty.