As we move into a more litigious society, your reliance on indemnity and liability insurance will increase. If you have house, contents or car insurance you will have some of this already. Generally limited to your actions or responsibilities for the risks associated with that policy but not wider business trading risks.

It could be something simple as a tree doctor not securing a branch before it gets trimmed, meaning it falls on the road in front of a delivery truck, which swerves in to the house next door. Suddenly that one lapse of judgement results in damage to a vehicle and a house and a claim against you, how do you get through that financially?

Professional and public liability won't protect you for deliberate acts resulting in damage or breaking the law. It can financially protect you against the effects of accidents and events that happen in the normal course of your business.

If you want to explore your risks in this area to ensure you have no surprises, please give us a call today!