As a business do you understand your liability?
In the current UK market, liability insurance for any business whether for profit or not. Is absolutely key to protecting you and your business for when things go wrong.
Every day in 2006, the UK insurance industry paid out £3.3 million in general liability claims, such as for accidents at work, professional indemnity, and injuries to the public on business premises.
Professional indemnity insurance often referred to as professional liability insurance or PI insurance covers legal costs and expenses incurred in your defence, as well as any damages or costs that may be awarded. For example, you are being sued, for allegedly providing inadequate services which as caused your client to lose money.
Public liability insurance isn’t a legal requirement for businesses, but the costs of mounting a legal defence in the event of a claim, plus the possibility of paying damages or compensation, can be extensive and very damaging to smaller operations. Having this type of cover in place can be the assurance you need for working with clients and members of the public.
Covers your business against injury, death or illness, claims made by your employees. Most businesses in the UK need employers liability as it is a legal requirement.
Directors & Officers
Directors’ and officers’ liability insurance (also known as D&O insurance) covers the cost of compensation claims made against you, any director, officers and key managers for alleged wrongful acts. This can be used to protect personal assets as a result of being sued.
Given the complexity of liability in the UK market, liability insurance should be tailored to each business individually because every business is different. Holmes Insurance will provide tailored liability policies ranging from public, product, financial loss, efficacy and much more. Please contact us to discuss.
We're here to help!
Please feel free to contact us for a free, no-obligation quote using the online request form below or if you prefer to speak to us in person please call our office 01384 413 651
What Our Clients Say
"We are a broker ourselves and know expectations are high in this competitive industry. We approached Holmes IB following a recommendation for some of our own insurance policies.
Dealing with Steve Holmes has been great. Competitive terms provided but with the added real personal touch that was missing from what we had before. Shortly after Holmes' appointment for our policies, we encountered a couple of difficult situations. The understanding, advice, guidance and direction we received exceeded our expectations and not only helped us with dealing with these matters but reassured us at the time too. Above and beyond!"
- Richard Hayward
"Was having difficulty getting the right commercial insurances for my business until I spoke to Holmes insurance.
Exceptional service! They took the time out to really understand the business and finding the right insurances I needed. Holmes insurance also provided great advice on being insurance compliant."
- Mark Potter
"Absolutely fabulous service. Went behind any means necessary, and I didn’t make it easy for them. Polite and professional would definitely recommend. Thank you Holmes’s team for all you help."
- Nicola Griffiths
"Absolutely the go to place for insurance. Unbeatable customer service, great ethics, they genuinely care about you and totally have your back. Can’t rate higher, thank you Stephen."
- Jack Clay
"Really pleased with Ethan very nice to actually talk to someone face to face excellent company I would highly recommend them.”
- Stewart Hemming
"Sometimes in life you come across people that bring back your faith in humanity. In a world of algorithms (computer says no) and 'we don't want to speak to you' big corporate businesses - finding Holmes Insurance Brokers was truly joyful. Yes, I never thought I'd be so gushing about an insurance broker! Cannot recommend Stephen and his company highly enough. If you want someone who genuinely cares and will actually talk to you (and get the best deal for you/your business) then get in touch. If I could have given six stars I would - thank you Stephen..”
Cannot fault the service. Highly recommended!
If you need insurance why go to the big companies when you can chat to a real person, can guide you through everything (even when starting up and have hundreds of questions!) and is a genuinely nice guy. Cannot fault the service. Highly recommended!
Many thanks for all your help setting up an insurance policy. You put in so much hard work on our behalf, getting us the best possible premium available. You always phoned back when you said you would and were always polite and attentive. I have no hesitation in recommending you as an excellent broker!
First Class Service
Stephen has managed to save me money and get me cover that is tailored to my business. His service is first class and I would strongly recommend that anyone in business locally talks to him - you have nothing to lose but a lot to gain. Thanks for all your help.
Very helpful insurance company
I own a small business in cradley heath and to have a local insurance company is great. Stephen has been very helpful and has answered any questions or concerns that I have had. I would definitely recommend him.
- Chris T
Startup Business - Insurance made easy
Starting a new business is hard enough without the challenge of finding the right insurance, especially when you don't fit into a 'standard' category that all the insurance websites insist on. Luckily I found Stephen (Holmes Insurance) at a start up seminar. Stephen has managed to save me money and get me cover that is tailored to my business. His service is first class and I would strongly recommend that anyone in business locally talks to him - you have nothing to lose but a lot to gain. Thanks for all your help.
Positive: Professionalism, Responsiveness, Value
As the MD of a training business that supports the Insurance sector. I have always preached about the value of a good insurance broker; the advise they give to the general public when it comes to their insurance needs.
This was the first time I had a chance to personally experience it. Stephen from Holmes Insurance Broker has been truly exceptional! Really a positive testament to what a good Insurance broker should be like, great service! All the best to the Vegan broker!
- Crescens George (Wiser Academy)