Working in any industry brings its own risks and dangers so ensuring your business is fully protected against every eventuality is important. One way to ensure this is by taking out public liability insurance. Unlike employer’s liability insurance, it isn’t a legal requirement but is highly recommended if you deal directly with the public or third parties. Here at Insure My Liability we will provide you with a comprehensive service to search for and find the best policies that will match the needs of your business.

What Is It?

Public liability in its simplest form is protection against any claims that are made against your business by the public or a third party, either for negligence when you are working on their property or injury caused by your business. With the ‘where there’s pain, there’s a claim’ culture we are unfortunately living in, you could save your business thousands if you take out this cover.

How Much?

The nature of the business you work in will determine the amount of cover you need to take out. As standard there are 3 levels of public liability insurance policies- £1 million, £2 million or £5 million. With this in mind, having an understanding of the risks involved in your own business will help to determine the level of cover you should take out.

Why?

If you don’t take out public liability insurance and an unfortunate event occurs that sees your business hit with a claim, you will risk paying out thousands of pounds in claim costs that could also damage the reputation of your business. If you take out public liability insurance, you will just pay your excess costs if this should happen.

Contact us at Insure My Liability to find comprehensive public liability insurance quotes. Don’t leave your business unprotected, instead visit our website today or call one of our team on 0845 450 5360 who will be more than happy to discuss your individual needs and advise you on the best solutions for your business.

As the owner of a business of any size, staying afloat during such difficult financial times is a genuine challenge. The last thing you need is to receive a compensation claim from one of your employees in the aftermath of an unfortunate accident, especially if you are not covered by employers liability insurance. Depending on the extent of the compensation claim, your business could be at serious risk if you can’t afford to cover the cost of the claim. With this in mind, it is clear to see why it is so important to ensure you have employers liability insurance which can protect your financial assets, and that is where our team here at Insure My Liability can help you.

The Employers Liability Act 1969 states that any company that employs staff is legally obliged to hold employers liability insurance so regardless of the size of your business, it is vital that you obtain sufficient insurance at the earliest possible opportunity in order to minimise the risk to your company.

This type of insurance protects you in the event that a compensation claim is made against your business by one of your employees. So, if you own a business and a member of your staff suffers an injury whilst working for you, as the owner of the business you could face a financial claim which is where the importance of employers liability insurance becomes apparent.

Whether you accept or challenge the claim, you can expect to face financial demands to some extent either to cover the compensation fee or the costly legal proceedings. Realistically, your small business would be unlikely to survive such financial demands without the protection of an employers liability insurance policy.

Here at Insure My Liability we have devised an online insurance comparison system that assists with finding the best employers liability insurance policies. By using the system, we can tailor the search to provide you with the best quotes available.

For the sake of your business, don’t overlook the importance of employers liability insurance. Visit our website here at Insure My Liability today to start the process of finding the ideal policy.

Running a little boutique in the middle of London, Cardiff, Edinburgh or Belfast is a dream for many people. Selling little trinkets, unique clothing, art – if you can name it then there’ll be a consumer out there who wants it. But for all the joys that come with running a successful store – from the little boutiques to the High Street chains – there is also a vast amount of hurdles and dangers out there which shop owners need to make sure they’re fully protected from. At Shopline, we can lend a hand by helping you find the very best in shop insurance.

As experienced insurance brokers, we’ve been helping shopkeepers find the perfect shop insurance rates and policies that cover them from any eventuality, because we know that when you spend all that time sourcing the best stock, finding the best location to sell it and hiring the best staff available, you don’t want to be at risk should something go wrong.

With any insurance rates that we find for you, we’ll make sure that included are building cover (up to £1,000,000) and public liability cover (up to £2,000,000) because, unfortunately, you can never be sure when an accident may happen. All you can do is make sure that you’re covered.

At Shopline we know that it’s not just about making sure you’re covered should something happen to the exterior or interior your premises, which is why our shop insurance rates also includes signage breakage protection along with other additional benefits that no shop owner should be without when getting insurance.

It doesn’t matter whether you’re just staring on your journey as a shop owner or if you’ve been in the business for a number of years, we promise that we’ll work with you and your needs and requirements to make sure that you get the best shop insurance rates around. To find out more or to get a quote, visit our website.

If you’re looking for an office insurance quote it’s only natural to want to shop around to see which insurer offers the best deal. Commercial office insurance is absolutely crucial for businesses to protect their office premises, liabilities and the contents within. All modern offices use expensive computer equipment in the day to day operation of a business, not to mention the specialist equipment that may be on site.

Unfortunately with any business insurance the process of obtaining a quote can be incredibly time consuming due to long winded often confusing questions, whether you are speaking to a person or trying to find something suitable online.

Thankfully, there’s a fast and simple online quotation system provided by insurance specialists LMI Ltd which brings a quote to you at the click of a button with the minimum of fuss, to help make life that little bit easier.

Here at Officeline, the dedicated office insurance quote division of LMI Ltd, we quote according to your requirements to provide you with a fast, competitive and comprehensive business policy online.

Once you’re happy with your quote, our website allows you to purchase your commercial office insurance quote policy quickly and efficiently giving you immediate cover and providing your policy documentation.

Does your office space contain expensive equipment – computers, servers or projectors? Perhaps you store confidential documents or even cash there too? Due to the goods that are kept within these commercial premises, they are often a real target for thieves. The only way that businesses can cut down the chances that they will have to pay out for expensive repairs or replacement equipment in the event of a break-in, is to invest in office insurance. As a specialist we at Officeline are dedicated to providing business owners with properly tailored policies.

Whilst standard policies will cover just the building or the contents, our office insurance has been designed to include everything that a business could possibly need cover for. Whether they own just one office or multiple, our clients can be sure that we will be able to provide insurance that meets their needs.  All of our policies include cover for the following;

• Property
• Contents
• Income
• Liability

Authorised by the Financial Services Authority (FSA), our clients can be sure that their policy will be comprehensive and reliable. When a business owner purchases insurance from us, they will be given a dedicated login where they can view or print the policy wording document and key facts at any time.

Buying Officeline insurance is really easy and has been designed to take only a short length of time. Simply fill out the form on our website and we will provide a suitable quote, clients can then choose to purchase the policy online using a range of payment methods.

Business owners that are looking to purchase an insurance policy that comprehensively covers their company should consider investing in office insurance. To make the first step towards covering your premises, simply visit the website and click ‘online quote’.

Accidents happen all around us, everyday, at work and at home. They are often unavoidable, and may often have unfortunate consequences. Such occurrences are far from ideal for anybody, but the implications for employers can be financially disastrous, if not adequately prepared for such a circumstance. Public liability insurance offers essential cover for any businesses which deal directly with the public, or work on away on different sites, providing vital cover for injury inflicted on third parties, or damage caused to third party property. It’s much better to be safe than sorry, and this rings very true in the case of public liability.

At Insure My Liability, we offer crucial cover for such events, so that whatever happens at work, you’ll have the protection to shield your business from any unfortunate incidents, should they occur. The cover we have available include £1, £2, and £5 million public liability insurance, enabling you to pick the most suitable level of cover for your business. As incidents can happen at any time, the insurance is available to a diverse range of professions, so whatever you do, we’ll be able to protect important aspects of your business.

Whilst not compulsory, the costs of compensating the public for any negligence caused can be highly damaging to your business, and may jeopardise your entire company if the costs are of large significance. Public liability insurance can be combined with your employer’s liability policy for a competitive quote, which takes mere seconds thanks to our online quote system.

As accidents occur unpredictably, and without warning, preparation is key to ensure minimal repercussions to your business. With an online quote from Insure My Liability, you can rest safe in knowing that your public liability insurance will have you covered for all eventualities.

Shops are often targeted by thieves due to the large quantity of valuable goods that are stored within the premises, from clothing and jewellery to electrical goods. It is essential that retail business owners ensure that they are comprehensively covered, to protect them against the losses associated with a break-in. At LMI Ltd, we offer specialist shop insurance, which has been designed with the needs of these businesses specifically in mind.

Not only is insurance essential to protect against criminal activities, but it should also provide cover for buildings, loss of profits, public and employers liabilities.

Shopline is our specialist online shop insurance product. We understand that businesses can vary considerably; therefore it is important that policies are tailored to the exact requirements of each business.  From small village stores with a limited budget to large chains, we are able to provide comprehensive policies.

Spending time searching for a suitable quotation can be a long and often tedious task, which is why we have developed a fast and simple to use quotation finder. With just a couple of clicks of a mouse, shop owners can access a quotation that is tailored to their needs. To make it even more convenient they can then proceed to purchase it online using either debit or credit card or monthly instalments by direct debit.

If you have just started your business or your current policy is due to expire, why not make purchasing shop insurance a little easier this year? Simply visit our website to learn more about what we have to offer and to purchase a comprehensive insurance policy for your business.

Like any form of insurance, shop insurance is all about protecting something of value. If your business has any kind of value to you, either financially or sentimentally, then it’s essential that this value is insured by a reliable firm like Shopline, part of LMI Ltd. We can provide effective cover for a number of business elements, with most policies including liability, contents, property and income protection. However, we believe that one of the main strengths of our service is the ability for customers to receive and retrieve quotes online, for an unrivalled level of convenience and customer service.

If your business is the success that it should be, then we understand how busy you must be, so finding time to deal with something such as insurance must be difficult. Nevertheless, adequate insurance should still be secured – so what’s the answer?

Thankfully, Shopline’s online quotation facility allows busy business men and women to get a competitive quote in minutes from the comfort of their home, office, shop or anywhere with an internet connection.

Do you have a few minutes spare? Logging on from anywhere is quick and easy, new clients can quickly obtain detailed and accurate quotes which can be saved until cover is required. Payment can be made online and your policy documents printed and existing clients can pay for policy amendments in seconds.

Here at Shopline, we understand that clients want a high level of customer service in addition to such hassle free convenience. That’s why friendly and knowledgeable LMI staff are always just a phone call away. Our team can deal with any problems or answer any queries regarding your shop insurance quotes in a timely manner, so you don’t feel like you’re dealing with a computer the entire time. For comprehensive cover that doesn’t take an age to track down and secure, look to Shopline from LMI.

It is a legal requirement for all businesses to be in possession of a comprehensive insurance policy – to protect their staff, their clients and their property. For those businesses that are considered as ‘high risk’ such as those in the waste and recycling trades who regularly use heavy duty machinery to transport hazardous materials, this is arguably even more important. Fortunately, there are insurance brokers, like us at LMI Ltd, that offer specialist recycling insurance policies to protect those in these industries.

As a company that is regulated by the Financial Services Authority (FSA) and has many years experience in the insurance business, we at LMI Ltd guarantee that our clients will only ever invest in a policy that is tailored to their exact requirements and that will cover them in almost every eventuality.

Those working in the waste industry are often considered high-risk due to the work that they do on a daily basis – transporting hazardous waste, working with dangerous equipment, loading and unloading skips, and working in close proximity to the public. Our comprehensive recycling insurance policies have been designed to cover these businesses in almost every part of their working day, they include; machinery, public and employer’s liability cover, environmental impairment, property, vehicle and professional indemnity cover.

Unfortunately, due to the high-risk nature of these businesses, many insurance premiums are incredibly expensive. At LMI Ltd, we believe that it is important that all companies are adequately covered and therefore our policies are all competitively priced.

Looking to request a quote? It really couldn’t be simpler, just fill out our online contact form. Full details about how these policies could benefit you can be found on the site, or alternatively give a member of our knowledgeable recycling insurance team a call on the number provided on the website, for more information.

Do I need public liability insurance? Well, if you work in close contact with the public the answer to this question is almost certainly yes. In this day and age, there is a claim to be made for almost any accident or injury. This means that business owners need to be even more vigilant than ever, to ensure that they don’t lose hundreds or even thousands of pounds settling claims. At Insure My Liability, we provide insurance policies to protect clients against legal claims from employees and third parties.

When our clients ask whether they require liability insurance, we ask them to answer one simple question. Would you be able to afford to pay out if one of your employees, your clients or a member of the public filed a claim against you? More often than not the answer to this question is no. As many businesses employ a number of staff members and work closely with the public, it is essential that they invest in public liability insurance.

We offer both general liability insurance and policies that are tailored to the exact requirements of specific industries. Businesses in some sectors, for example construction companies, carry an added risk because of the work that they do. This has resulted in insurance policies becoming extremely expensive.

However, we have taken it upon ourselves to provide a means of searching for competitively priced quotations that are tailored towards the needs of businesses. Filling out a simple form on our website, business owners can view quotations and even purchase them online.

To learn more about why your business requires public liability insurance, visit our website where you will find a range of useful information. If you have any questions, please feel free to call the number on our website or fill out our online enquiry form.