Legal liabilities are one of the biggest risks a business can face, whether large or small. In today’s increasingly litigious environment, an organisation can face large claims from any number of sources, including their employees, the public, business partners and customers. Travelers recognise that accidents do happen and that you will want to ensure that compensation is paid quickly and efficiently to your employees and customers.

If an employee is injured or becomes ill as a result of the work they do for you, they may claim compensation from you. Employers' liability insurance will enable you to meet the cost of any compensation for your employees’ injuries or illness.

While not compulsory, public liability insurance is also an essential cover for most businesses. It can protect your business from claims made by people outside your organisation, which can range from a simple case of a visitor tripping in your office to a far more serious injury caused by a faulty product. And even when a company is not at fault, the costs of defending claims can be substantial so you’ll need to ensure that you have the necessary cover in place.

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