We strongly suggest to all our customers to include public liability cover in their policies as well as employer’s liability cover, as if one of your employees has an accident at work they could hold you responsible. It’s impossible for shop owners to keep an eye on their staff at all times, especially if they work in a fast paced industry where accidents do happen. Even if these accidents aren’t your fault you may have to argue your case in court, and our shop insurance can cover the cost of legal fees.