Public liability insurance is seen by many as an essential business expense. It’s an insurance policy that you purchase to protect your limited company and cover your legal costs and expenses if you have to defend yourself, and your business, against legal action.
Limited Company Insurance
If you’re running a company, chances are you’ll take out some kind of business insurance cover. Sometimes this is a mandatory requirement (e.g. Employers’ Public Liability). You may well seek protection to protect your company in case you make a mistake and face potentially expensive claims from clients or other third parties.
- Professional Indemnity Insurance – in case you make a mistake whilst providing professional advice.
- Private Health Insurance – covers medical treatment if you fall ill.
- Employers’ Liability Insurance – if you have employees it is compulsory.
- Relevant Life Cover – life cover, paid for by your limited company.
- Public Liability Insurance – essential if you interact with customers or clients.
- Tax Investigation Insurance – covers professional representation in the event of an HMRC compliance visit.
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If you run a business and employ staff, it’s important that you have the right type of insurance in place. Insuring your premises, goods, and vehicles against loss through theft or damage is essential but it’s just as important, and a legal requirement under the Employers’ Liability (Compulsory Insurance) Act 1969, to have employers’ liability
If you own or work for a small limited company you can get life insurance cover without having to pay over the odds while also benefitting from tax relief. This is where relevant life insurance comes in.
If you provide professional personal services to clients, you will almost certainly have heard of PI insurance and may have been asked what level of cover you have by a potential client before being awarded a contract. But what exactly is professional indemnity insurance, what does it insure you against, and do you really need
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By taking out tax investigation insurance, you can help to mitigate the potential cost of being investigated by HMRC which can be both time-consuming and expensive. This type of insurance policy also gives you the peace of mind that you will be covered should you be selected for tax investigation.