Should you be negligent in the event of any accident or should someone suffer any injury on your property, you may be legally liable for the damages.

Employers Liability
A policy that provides protection for the insured against legal liability of damages (including claimant’s costs and expenses) with respect to bodily injury or death, sustained by any person under a contract of service with the employer, for example, employees.

Public Liability
This provides a protection for the insured for legal liability to third parties for damages (including claimant’s costs and expenses) with respect to bodily injury or death and for any loss or damage to property which happens in connection with the business of the insured.