The main policies
| Policy | Covers | When to require |
|---|---|---|
| Public liability | Injury / damage to third parties | Any customer-facing or on-site work |
| Employers' liability | Injury / illness to employees | Any UK employer (usually mandatory) |
| Professional indemnity | Financial loss from advice / services | Consultants, agencies, professional services |
| Product liability | Harm caused by a product | Manufacturers, distributors |
| Cyber insurance | Breach costs, ransomware, business interruption | Data-touching vendors |
| Motor / plant | Vehicles and heavy plant | Field services, construction |
| Directors & officers | Personal liability of directors | Corporate governance |
Frequently asked questions
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