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This is Personal Liability Insurance, providing advice and information on personal liability policies.

Today we are experiencing an explosion in so called ‘compensation culture’. In order to protect yourself, your business or your property from damage and extortionate claims, liability insurance is a must.

If a person is injured or their property is damaged, the individual or business responsible may be sued and held legally liable for the injury or property damage. Where legal liability is established, damages will be awarded to the claimant to compensate them for their injury or the damage to their property. Further to this, if damages have been paid for an injury then the NHS is entitled to recover costs for hospital treatment and the ambulance service used. The person or business responsible will also need to pay legal costs, including the claimants'. Therefore, liability insurance is designed to protect you or your business against these costs.

If you are a business with employees, it is likely that employers' liability insurance is compulsory. However, there are a few instances where insurance is not compulsory.

This website aims to provide you with all the information and advice that you need about personal liability insurance so that you can make an informed decision about how best to protect your interests. For more information, please visit our ‘About Personal Liability Insurance’ section.