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Public Liability Insurance

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PUBLIC LIABILITY INSURANCE POLICIES

Public Liability offers valuable protection to your business if it has any contact with third parties, such as members of the Public. No matter how organised your business is, accidents do happen. Sometimes the smallest accident or incident can be financially devastating to a business. Whilst Public Liability is not currently a legal requirement, it can demonstrate you are a reputable business and offers valuable protection and peace of mind for you and your customers.

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WHAT LIMIT DO YOU NEED?

We can provide various limits of cover starting from £1,000,000 and typically £2,000,000, £5,000,000 up to £10,000,000. Businesses operating in the Public Sector may require the upper limits. We can offer advice on this for you.

WHO CAN WE COVER?

We can cater for over 1,000 trades and professions and the list is growing daily! Whether you are an event, sole trader, self-employed or a multi-national, we can assist you.

EMPLOYERS LIABILITY INSURANCE

If you have employees, contractors, casual or temporary employees it is a legal requirement to have this Insurance in place. If you are a Director of a Limited company then you are usually deemed to be an employee of the limited company even if you are the sole employee. Click here for more information on Employers Liability and the law.

WHAT IS COVERED?

Employers Liability will help you pay compensation if an employee is injured or becomes ill, as a result of the work they do for you.

PRODUCTS LIABILITY

A product manufacturer may choose to purchase products liability Insurance to cover them if the product was faulty or caused damage to the purchaser or any third party.

ADDITIONS TO COVER

A liability policy is by definition, any insurance policy that protects an individual or business from the risk they may be sued or held legally liable. For example, malpractice, injury of negligence. A liability policy can be made up with various sections of cover to include Buildings, tools, stock and contents. Ask us to help you find the right policy for you.

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Super easy to set up the policy, completely bespoke to what I needed. The premium is the cheapest I’ve come across and offers all the benefits needed. Very supportive and professional.

Alysha / Owner

I really felt overwhelmed when I first set up my business and didn't know where to start when it came to the right insurance. Especially being in a relatively niche area. Risk Kitchen took care of all that hard work. Jess really understood exactly what I needed and found me the best policy to suit The Little Sensory Box. No hassle, really easy to sort and on top of that Jess is so friendly and approachable and has maintained contact since that very first email. I have now used Risk Kitchen for a second year running and will continue to do so.

Dee / Owner/Founder

Can I just say that I’m in my 2nd year of insurance with risk kitchen. I need to know that if I need them they’re on the end of the phone or I can physically visit the office. Gary emailed me when my renewal was due, few emails back and fore and all sorted. Their prices are very competitive and to me it’s very Important to support local business.

Louise / Owner

We have been using Risk Kitchen for our business insurance for the last few years, for different sites and uses: our experience has always been to receive a prompt reply to our enquiries and professional, friendly advice and renewal service.

Karen Davies / Owner

Hi Gary and Jessica, I wanted to let you know what a wonderful experience I've had with yourselves. As my business is quite unique, the insurance I required was something that I found hard to source online. From the moment I approached Risk Kitchen I found you to be professional, accommodating and reassuring that you would do your best to solve my insurance issues. Not only did I find your customer service exceptional but I also really enjoyed the personal touch of dealing with another small business. Knowing I could email or ring and would be able to speak to the same people and not a customer service advisor. I will most definitely be returning to yourselves when my renewal approaches and will be recommending you to everyone I know with businesses. Thank you so much for all your help.

Tara Bailey / Owner

Great personal service, nothing is ever too much, incredibly professional, a must go to for Insurance purposes, second to none. Thanks Gary & Jessica, first class!

Lee Miller / Owner/Director

Had a call from Gary at Risk Kitchen and at first as I was getting so many cold calls I believe I might have been quite rude, Gary at all times kept very professional and came up with a very reasonable quote for my Late night bar, Restaurant and nightclub business insurance. Jess and Gary were incredibly helpful in ensuring I got the right cover, and a competitive quote. As a small/Medium business owner with a budget I appreciate their honest advice. Would highly recommend. Well done!!!

Robert J Perry / Director

I had been putting off sorting out my insurance for ages as I had no idea where to start. Jess made the process so quick and easy; I don’t know what I was afraid of! Now I feel safe and so much more professional knowing both my clients and my business are covered should the worse happen.

Kate Molloy

We would like to thank Risk Kitchen for all you have done in setting up all our Insurance needs, the efficiency and professionalism has been superb from the very first contact, we will and have been recommending Risk Kitchen to our fellow hoteliers in Edinburgh. Best wishes for the future.

Kevin & Susan Kenny / Owners Hotel Ceilidh-Donia

Risk Kitchen are fantastic and very easy to work with. The service, professionalism and attention to detail is second to none. Jess and Gary are very pro-active and are always striving to provide an excellent, yet personal service.

David Martin-Jewell / Managing Director

Contact Risk Kitchen for more information…