LIABILITY INSURANCE

Protect yourself and your business from unexpected costs.

Understanding Liability Insurance:
Your shield against legal claims

Accidents happen. Whether you're a business owner interacting with the public or an individual going about your daily life, there's always a risk of unintentional harm or damage. Liability insurance provides financial protection if you are held responsible for injuring someone or damaging their property. At Clyde Brokers, we offer a range of liability insurance options, including public liability and personal liability cover, to give you peace of mind.

Public Liability Insurance for Glasgow Businesses.

If your business interacts with the public, public liability insurance is essential. It protects you against claims arising from:

  • Injuries to third parties: Customers slipping and falling on your premises, injuries caused by your products, etc.

  • Damage to property: Accidentally damaging a client's property while carrying out work.

  • Legal costs and compensation: Covers legal expenses and any compensation payouts if a claim is made against you.

We offer public liability insurance for a wide range of businesses in Glasgow, including shops, offices, tradespeople, contractors, and more.

Personal Liability Insurance for Individuals and Families.

Personal liability insurance provides cover for you and your family in your everyday life. It can protect you against claims arising from:

  • Accidents in your home: A guest tripping on a rug and injuring themselves.

  • Accidents outside your home: Accidentally injuring someone while playing sports or cycling.

  • Damage to someone else's property: Your child accidentally breaking a neighbour's window.

Personal liability insurance is often included in home insurance policies, but it can also be purchased separately.

Employers liability insurance

Employers’ liability insurance covers the cost of compensating employees who are injured at or become ill through work.

Do I need it?

If you are an employer you are legally obliged to have employers’ liability insurance. You can be fined up to £2,500 for every day you do not have appropriate insurance.

Employers’ liability insurance usually covers the cost of compensation and any associated legal fees – check with your insurer to see exactly what your policy covers.

Exempt businesses

Some businesses are not required to have employers’ liability insurance, including:

  • Companies with no employees

  • Family businesses that employ only family members

To check if your business is exempt from employers’ liability insurance see the Health and Safety Executive (HSE) website.

Who does it cover?

Your policy should cover claims brought by:

  • All permanent employees

  • Contract, casual and seasonal employees

  • Labour-only subcontractors

An employee is someone: Who has National Insurance contributions and income tax deducted from their salary, Whose location, hours and conditions of their work are controlled by their employer, Who cannot be replaced by their employer if they are unable to work.

Your policy should also cover claims brought by:

Temporary staff, including students and people on work placements, for more information see the ABI’s guide to insurance and work placements. Volunteers, advisers, referees and marshals for more information on insurance and volunteers see voluntary organisations. Check with your insurer to make sure your employers’ liability policy covers everyone who works with your business.

Buying employers’ liability insurance

You can buy employers’ liability insurance directly from an insurer or from a specialist broker through the British Insurance Brokers’ Association (BIBA). You are obliged to have cover for compensation of at least £5 million, but most policies offer cover for at least £10 million.

The cost of your premium is based on a number of factors including:

  • The nature of your business

  • The number of people you employ

  • Your previous insurance claims history

  • – Aman Kohli. Kohli Travel, Glasgow

    I can’t say enough good things about working with Anoop Wallia from Clyde Brokers.

    As a travel agent, insurance can get a bit overwhelming, but he made everything super simple. He really took the time to understand my business and set me up with the right coverage — from liability, contents to building insurance. It's been such a relief knowing I’m covered if anything unexpected comes up.

    Super helpful, easy to talk to, and always quick to respond. Sorted out a claim for me in double quick time.

  • – Jay Singh. Regent Property, Glasgow

    I’ve worked with several insurance brokers over the years, but none have come close to the level of service and expertise I consistently receive from Clyde Brokers.

    Time after time, he has gone above and beyond to provide clear guidance, competitive quotes, and genuine care. His professionalism, responsiveness, and deep knowledge make him my go-to for all insurance needs.

    Highly recommended!

  • - Alistair Haydock. Haydock Music, Milngavie

    Clyde Brokers have been instrumental in securing the perfect bespoke insurance policies for my businesses over the past couple of years.

    The complexity of our requirements was carefully considered and addressed with meticulous attention to detail before any policies were purchased. This level of service is something I could never have achieved through an insurance company’s website or a comparison platform. The cost savings alone from using Clyde Brokers have been substantial.

    I cannot recommend them highly enough.

  • - Wanida Donaldson. Managing Director, Sakaeo Scotland Ltd, West End, Glasgow

    I would like to thank you for all your assistance and guidance in respect of our PL & Operating insurance cover.

    Having spent several weeks trawling through complicated policy options with price comparison sites we were astounded at how much money Clyde Brokers saved on our annual premiums. Low cost was not our concern. Value and cover was paramount. You took the time to explain the pro's and con's and guided us without pressure.

    We would have no hesitation in recommending your company to new start-up businesses and established companies looking for cover.

    5* from start to finish.

  • - JGM Wholesale, South Side, Glasgow

    We couldn’t be happier with the service provided by Clyde Brokers.

    From the very beginning, their team has been exceptional. They personally visited our premises, carried out a thorough assessment, and sat with us to ensure every detail of our insurance needs was covered. We didn’t have to lift a finger — they handled all the paperwork from start to finish. What truly sets Clyde Brokers apart is the way they supported us even during a difficult time. When a break-in occurred at JGM, their team stepped in immediately. They managed all the claims paperwork, guided us through every step, and ensured we were looked after without any stress or hassle on our end. Their professionalism, personal attention, and commitment to looking after their clients is unmatched.

    We highly recommend Clyde Brokers to any business looking for a reliable and hands-on insurance partner.

  • - Paradise Ltd, Shawlands, Glasgow

    We’ve been with Clyde Brokers for a few years now and can honestly say they’ve been fantastic to deal with.

    When we had a break-in three years ago, the process was smooth and stress-free thanks to their team. They handled all the paperwork and made sure everything was taken care of quickly. What we really appreciated was how involved they were from the start — they actually came out to our premises, sat down with us, and made sure we had the right cover in place. It’s rare to find that kind of personal service these days.

    Highly recommend Clyde Brokers — they genuinely look after their clients.

  • - Neeraj Salwan. Pharmacist & Director, Reach Pharmacy Group / Clara Ltd, Scotland

    I have had an outstanding experience working with Anoop Walia at Clyde Brokers.

    From the very beginning, Anoop was professional, approachable, and highly knowledgeable. He took the time to understand my needs and provided clear, tailored advice that made the entire insurance process simple and stress-free. His attention to detail and commitment to excellent service gave me complete peace of mind. I know if I need any advice regarding any insurance matters and dealing with an insurance claim all I need to do is contact Anoop and he will help sort it out and provide outstanding advice.

    I highly recommend Anoop and the team at Clyde Brokers to anyone looking for reliable and trustworthy insurance support.

  • - Mr Babubhai Patel. Hertfordshire

    I’ve been working with Anoop for 2 years and I’m extremely impressed with how they handled my recent insurance claim of water damage. From the moment I filed my claim, Anoop took control of the situation, making sure everything was processed smoothly and efficiently.

    I couldn’t be more satisfied with the service I’ve received. From the start, Anoop was not only professional and knowledgeable but also incredibly approachable, making the often-complicated process of selecting insurance policies much easier to navigate.

    What truly stood out to me was his attentiveness to my unique needs. Anoop took the time to listen to my concerns, explain my options in detail, and helped me in many circumstances. I felt like my best interests were always at the forefront of our conversations.

    Whenever I had questions or needed further clarification, Anoop was quick to respond, always providing clear and thorough explanations. His guidance really gave me peace of mind knowing I was making the best decisions for my business insurance needs.

LIABILITY INSURANCE FAQs

  • Public liability insurance is designed for businesses and protects against claims from the public. Personal liability insurance is for individuals and families and covers claims arising from everyday activities.

  • The amount of cover you need depends on your individual circumstances and the level of risk involved in your activities. We can help you assess your needs and recommend the right level of cover.

  • No, liability insurance only covers accidental damage or injury. It does not cover intentional acts of harm or criminal activity.

  • While it's rare, if a claim exceeds your policy limit, you may be personally responsible for the remaining amount. We can discuss options for higher levels of cover if you are concerned about this.