Public & Employers Liability Insurance

You can’t always shield your staff or members of the public from injury, but you can help protect them financially with public and employers’ liability insurance.

We’ll Level With You At Shearwater

Everything in life and business would be so much simpler if everyone took responsibility for their own personal safety and their own property, but that’s not to say it would make things fair.

A member of the public or one of your employees seeking compensation because they have suffered an injury, or their property has been damaged when your business is allegedly responsible, is not unreasonable. This is why public liability insurance is a common feature in any commercial insurance package and why employers’ liability is a legal requirement.

  • Public & products liability
  • Employers' liability
  • Property owners & land liability
  • Legal expenses
  • Treatment liability

Our commercial team will discuss your business, how many employees you have, how often you have regular contact with other members of the public and discuss with you which level of cover you are going to need if you want to give your business the best chance at protection against any future claims. 


Protection For Your Employees

Whatever line of work they are in, employees should expect to carry out their duties without coming into harm’s way. More high risk environments such as building sites will have strict health and safety policies and it is the member of staff’s responsibility to stick to them. If despite adhering to this a member of staff has an accident at work they can make a claim for compensation. With employers liability insurance in place insurers will offer protection in the event of a claim.



Protection For Others

You may only have rare contact with members of the public, but one of the very few encounters could be the one that counts for all the wrong reasons. Example, one of your deliveries is dropped, or a visiting third party supplier is hit by a falling sign when leaving your building. It only takes a brief encounter to lead to long and costly court proceedings and suddenly the premium that you have paid for public liability cover is worthwhile.


  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
    Michael Murphy - Irish International Para Dressage Rider
  • Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!
    Chantal Siddle

Get A Quote Today

For professional insurance that means business.  Phone us today on 01992 718666 or request a quote online.