Liability Insurance

Liability Insurance for Private/Public Hire Operators

Public liability insurance is designed to protect your business against a variety of risks, which you won't come across in day-to-day private life. However, with the tightening of European Union commercial and human rights legislation; it has never been more important to ensure that your business has adequate cover.

Being a taxi driver involves a huge amount of time in contact and carrying passengers to and from destinations, which increases your needs for a public liability insurance policy. Despite the fact that it is not legally required to have a public liability policy, it is advised to cover yourself against any liability claims, for instance injury to the public caused by your negligence. The premium for a public liability insurance policy for a taxi driver is insignificant compared to the cost of a defending yourself against a public liability claim without any insurance. Liability claims are often for thousands or even millions of pounds, which is obviously enough to bankrupt most businesses if they don’t have the relevant insurance to cover themselves.

We can offer public liability insurance for one vehicle or we can offer a policy that can cover an entire fleet of private or public hire vehicles with one convenient policy.

If you require public liability for your vehicles and your taxis base, please visit our taxi base liability page.

Employers' liability insurance is one of the few types of cover, which is required by UK law. Employers are legally obliged to provide a safe working environment and where they are deemed liable, to provide financial support to employees who are injured or assaulted whilst working under your instruction. Employers that do not have employer’s liability are leaving themselves and their business vulnerable to large liability claims, which could ultimately mean the end of their business.

Public Liability & Employers Liability Combined

We have available a combined Employers and Public Liability policy specially designed for private & public hire operators. It is underwritten by a leading UK insurer and is competitively priced, whether you operate one vehicle or manage a fleet, we are confident we will find the right policy for you!!!