Liability Insurance Quote
Find out if you can get cheaper insurance today.
Riviera Insurance: Your Trusted Partner for Liability Insurance in the UK
Welcome to Riviera Insurance, your reliable source for comprehensive liability insurance solutions in the UK. We understand the importance of safeguarding your business and personal interests from unexpected liabilities. With our expertise in the insurance industry and a commitment to customer satisfaction, we strive to provide you with the best cover tailored to your needs. Whether you are a small business owner, a contractor, or an individual seeking personal liability protection, we’ve got you covered.
What do I need to get a liability insurance quote?
Getting an insurance quote with Riviera Insurance is quick and easy. To provide you with an accurate quote, we’ll need some basic information about your business or personal circumstances. Be prepared to share details about your industry, business size, turnover (if applicable), the nature of your operations, and any specific risk factors that may be relevant. Rest assured that our experienced team will guide you through the process and help you understand the cover options that suit your unique requirements.
Why get liability insurance with Riviera Insurance?
At Riviera Insurance, we take pride in our ability to offer top-notch liability insurance plans that go beyond mere protection. Here’s why countless clients trust us:
Tailored cover: We don’t believe in a one-size-fits-all approach. Our insurance experts work closely with you to create a customised liability insurance plan that precisely addresses your needs.
Industry Experience: With years of experience in the UK insurance market, we possess in-depth knowledge to identify potential risks and recommend the right cover to mitigate them effectively.
Excellent Customer Service: We prioritise our customers and are always available to provide support, answer queries, and assist you throughout your insurance journey.
Affordable Premiums: Our commitment to value means we offer competitive premiums without compromising on the quality of cover.
Discover what our satisfied clients have to say about their experience with Riviera Insurance. Read their genuine reviews and gain confidence in choosing us as your liability insurance provider.
Secure your peace of mind today with comprehensive liability insurance from Riviera Insurance. Reach out to us for a quote and let our team of experts safeguard your future.
What is liability insurance and why do you need it?
Liability insurance protects you from financial losses resulting from legal claims made against you or your business for third-party bodily injury, property damage, or personal injury. Even the most cautious individuals or businesses can face unexpected situations, and liability insurance provides a safety net in such cases. Without this insurance, you may be exposed to substantial legal expenses and compensation payments, potentially jeopardising your financial stability.
What type of liability insurance do I need?
The type of liability insurance you need depends on your unique circumstances. Common forms of liability insurance include:
Public Liability Insurance: Provides cover for claims made by third parties (e.g., customers, clients, or members of the public) for injuries or property damage that occur due to your business activities.
Employers’ Liability Insurance: Mandatory for businesses with employees, this insurance covers claims from employees who suffer injuries or illnesses while working for you.
Professional Indemnity Insurance: Essential for professionals providing advice or services, as it covers legal costs and claims arising from negligence, errors, or omissions.
How can I get cheaper liability insurance?
While the cost of liability insurance varies depending on several factors, here are some tips to help you secure affordable premiums:
Risk Management: Implement risk management practices to minimise the likelihood of claims and demonstrate your commitment to safety.
Bundle Policies: Consider bundling multiple insurance policies with us to avail discounts.
Voluntary Excess: Opt for a voluntary excess, which may lower your premium.
Review cover Limits: Ensure you have appropriate cover limits to avoid over-insuring.
What factors affect the cost of liability insurance?
Several factors can impact the price of liability insurance, including:
Business or Individual Risk Profile: High-risk industries or individuals may attract higher premiums.
Cover Limits: Higher cover limits often result in increased premiums.
Past Claims History: Previous claims can affect your perceived risk and premium calculations.
Business Size and Turnover: Larger businesses or those with higher turnovers may have higher premiums.
Make the most out of your liability insurance with our optional upgrades and add-ons:
Enhance your liability insurance cover with our optional upgrades and add-ons. These may include:
Product Liability Insurance: cover for claims related to products you sell or manufacture.
Cyber Liability Insurance: Protection against data breaches and cyber-attacks.
Directors and Officers (D&O) Insurance: cover the personal liability of company directors and officers.
Download our FREE app
At Riviera Insurance, we want to help you. That is why we have developed the Riviera Insurance App to help you easily upload documents, view your documents, report claims and much more.
What types of liabilities can I insure?
At Riviera insurance, we offer liability insurance cover for various situations, including:
General Business Liability: cover for businesses facing risks related to operations and interactions with the public.
Professional Indemnity: Protection for individuals in service-based professions against claims of errors or negligence.
Frequently asked questions
Liability insurance is a type of insurance cover that protects individuals and businesses from financial losses arising from legal claims or lawsuits filed against them for bodily injury or property damage they may cause to others.
Liability insurance generally covers the cost of legal defence, settlement, or judgment if you are found legally responsible for causing bodily injury or property damage to a third party.
Liability insurance typically covers claims related to bodily injury and property damage caused by your business operations. On the other hand, professional indemnity insurance (also known as errors and omissions insurance) covers claims related to professional services and advice provided by your business.
In many cases, liability insurance is not legally required by the government, but it is highly recommended for businesses and individuals who want to protect themselves from potentially costly lawsuits.
The appropriate amount of liability cover varies depending on your business size, industry, risk exposure, and local regulations. It’s advisable to discuss your specific needs with an insurance professional or broker to determine the right cover limits.
No, liability insurance typically does not cover intentional acts, fraud, or criminal activities. It is designed to protect against accidental or negligent actions.
No, liability insurance does not cover injuries to your employees. For that purpose, you would need Employers Liability insurance, which is designed specifically to cover workplace injuries.
Liability insurance covers damages you may be legally liable for causing to others, while property insurance typically covers damage or loss to your property.
Yes, liability insurance is often available as a standalone policy, but it can also be part of a broader package or business owners’ policy, which includes other types of coverage relevant to your business.
Big enough to save, small enough to care.
Our staff are empowered to contact insurance companies and underwriters on your behalf, giving an entirely personal service across the whole UK with no call centres. We take the time to know your insurance needs to offer you the cheapest insurance policy.
With the added benefit of optional cover, options are to suit you and your pocket. So, finding cheap insurance has never been more simple.
If you are local to Torbay, you can even pop in and see us arrange your insurance at our high street office on Union Street in Torquay.