High Risk Liability Insurance

If you work at height or work with dangerous materials, a High Risk liability policy might be for you.

Some types of businesses and the activities they undertake are excluded from general liability policies due to their inherent risk. This often includes working at heights (e.g. scaffolders, roofers), working with heat (e.g. welding, plumbing) and working in dangerous environments (e.g. civil engineers, demolition), etc. Because of the nature of work, there is an increased chance of accidents occurring and therefore claims being made against the insurance. This is why specialist, High Risk Liability insurance is available for certain businesses.

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Why choose us

Expert advice from our specialist liability insurance advisors

Our team will work to find you a great deal on High Risk liability insurance from our carefully selected panel of insurers. Comprising of Public Liability and Employer’s Liability with an indemnity limit of up to £10million, we can tailor the cover to meet your unique business activities to give you reassurance that if the unfortunate happens, you’ll have the right cover in place.

All the benefits of general liability cover

Your policy will include Public Liability insurance to protect you from claims made against you by third parties and Employer’s Liability insurance in case any employees take legal action.

High risk activities included

Working at heights? Exposure to fumes? Working with heat? Whatever the scenario, speak to our experts and we’ll find the right level of cover to ensure you have adequate protection.

Useful cover extensions

There’s no such thing as one size fits all. We can customise your policy to include tool cover, plant and machinery cover, personal accident, temporary workers and contractors’ all risk.

All the cover you need in one place

At QMT Commercial, we can source all types of business insurance – let us take the hassle out of arranging your insurance and we’ll do the legwork of comparing quotes and cover for you.

Flexible payment options

Not all businesses want to pay for their insurance up front. We can help by offering to split the cost into two monthly 50/50 instalments or by applying to pay by monthly direct debit.

The cover you need, straight away

We know you’re busy, so we make sure we ask all the right questions to ensure we can find you the cover you need. Once you’re happy with the quote, we can arrange cover immediately.

What are the main features of a High Risk Liability Insurance Policy?

A High Risk Liability insurance policy will generally comprise of Employer’s Liability and Public Liability, but will specifically include the high risk work you undertake, which would normally be excluded from a standard policy.

Main Features

Employer’s Liability to protect your business from claims made against you by current or past employees, typically covering legal expenses and any settlement costs
Public Liability to protect your business from claims made against you by the public, typically covering legal expenses and any settlement costs
Specific endorsements to cover your high risk business activities such as working at heights or working with heat, etc
Additional cover options such as tool cover, plant and machinery cover, personal accident, temporary workers and contractors’ all risk.

High Risk Liability Insurance