Insurance for Businesses

Please note: If you are a freelancer/contractor you will be able to find relevant insurances on our Freelancer website.

Employers' and Public Liability Insurance

A seemingly innocuous slip, trip, fall or accident can lead to costly legal proceedings and hefty payments in damages. It is important for businesses to protect themselves against any such eventuality by carrying appropriate insurances. Employers’ Liability insurance covers an employers' legal liability for injury, disease or death to employees. Public Liability insurance covers legal liability to pay damages to members of the public for death, bodily injury or damage to property as a result of your business activities.

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Professional Indemnity (PI) Insurance

Professional Indemnity (PI) insurance covers defence costs and liabilities you may face as a result of legal action brought against you by a third party for alleged losses caused by errors, omissions or negligence in your work.

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Commercial Combined Packages

Commercial Combined packages provide protection against a wide range of risks applicable to businesses and typically comprise: buildings and contents cover (including contents taken away from the premises), legal liability cover (Employers' and Public Liability), business interruption and legal expenses insurance.

Having this range of cover under a single insurance policy simplifies the application and quotation process, minimising the administrative efforts required to source and purchase cover, and at the renewal stage.

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Legal Expenses Insurance

Qdos Legal Expenses Insurance Policy provides cover for the main legal risks faced by businesses today. Our policy covers professional fees incurred in dealing with employment disputes, health & safety prosecutions, tax enquiries and disputes, and criminal prosecutions to name but a few features of the product.

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Directors and Officers Liability Insurance

This product covers the management liabilities of privately owned UK companies. It provides cover for directors and non-executive directors, and management liability cover for "wrongful act" actions against the company itself. The policy may be optionally extended to cover employment practice liabilities and crime.

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Tax Enquiry Insurance

Qdos Tax Enquiry Insurance service gives comprehensive cover for professional fees whatever the source of investigation is. The cover includes investigations into your company or your personal tax return and also includes PAYE, NIC and VAT disputes which arises during the period of the insurance.

The policy will cover the fees of your accountant (subject to satisfactory charge out rates) and/or Qdos specialist consultants.

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Office Protect

Office Protect is a combined liability product which provides the insured with cover in respect of office contents, computers, legal liability, business interruption and legal expenses.

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Executive Personal Accident & Sickness Insurance

Qdos Executive Personal Accident & Sickness Insurance provides a lump sum payment in the event of an insured person suffering accidental death, or monthly payments in the event of an insured person being unable to work through their disablement (accident or sickness).

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