What is Public liability insurance for animal centres and sanctuaries?
Public liability insurance (also known as third party insurance) covers you for legal liability to third parties, including related legal costs if a third party is injured or their property is damaged.
How much does it cost?
The cost depends on your business turnover, and the level of public liability cover you require.
For a business with a turnover of up to £125,000 per year, wanting public liability cover for £1m the cost will be around £463.
An excess of £250 applies for third party property damage claims.
Public liability cover available
We offer £1m, £5m and £10m of public liability cover for animal centres and sanctuaries.
We can also cover:
- Buildings up to £500,000
- Contents up to £60,000
- Stock up to £60,000
- Internal fixed glass up to £2,000
- Computer and business equipment up £30,000
- Business machinery £30,000
- Business interruption: £300,000
- Money: £4,000 or £8,000
- Own goods in transit
- Frozen pet food
- Animals in transit
Employers liability insurance
We also offer employers’ liability insurance for £10m and £5m of cover in the event of terrorism or asbestos.
It is a legal requirement under the Employers’ Liability (Compulsory Insurance) Act 1969 that you have Employers’ Liability insurance if you employ anyone, other than a close family member, on a full or part time basis, a work experience placement or as a volunteer helper. Employers liability can only be taken when you purchase public liability cover.
Employers’ liability covers you for your legal liability to pay compensation and claimants costs and expenses should your employee be injured whilst at work.
To get a quote call us on 0345 982 5499.