Liability Insurance for People with a Criminal Record


If you are thinking of setting up your own business, you will have considered getting liability insurance for protection against claims from third parties. However, if you are an ex-offender with a criminal record, you may find that your criminal convictions often result in your application for liability insurance being refused.

Here at SIS we can help.

We believe that no-one is uninsurable regardless of your past, and we can help you get the specialist insurance that you need.

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Contact us today and we can help you find the liability insurance that you need, even if you have a criminal record or criminal convictions.

Please view our Liability Insurance FAQ page for more information on liability insurance.

Liability Insurance: Criminal Convictions

Public liability (PL) cover is required by all of us in one way or another. Most private dwelling’s buildings insurance policies cover liability for accidents to people in and outside the home. However, if you have previous criminal convictions, liability insurance may be difficult to come by.  SIS provide specialist insurance for ex-offenders in need of competitively-priced quotations.  We believe that your past criminal convictions should not prevent you from obtaining liability insurance cover which would enable you to move on and get on with your life.  Call us today on 0161 969 6040 for a quote. Please keep reading for more information on liability insurance.

Businesses all require public liability (PL) cover but only the purchase of employer liability (EL) is compulsory by law. The cost of cover is largely dependant on the nature of the business and claims history. There may be other rating factors such as criminal convictions and/undischarged bankruptcy’s that will impact on the premium (the cost of insurance). Cover extends to include legal fees and damages to employees that receive injuries as a result of their employers negligence. The insurance certificate issued by the insurer must be displayed in a prominent position within the business premises

As a business is legally responsible for damage and injury to the public, for products they’ve produced and sold or provided then their products must be fit for purpose. The manufacturer is liable or responsible unless of course the manufacturer has ceased trading or a different name is on the product – or has been altered or repaired.

The proprietors or directors of businesses can protect themselves against damages arising out of fraud, health and safety, negligence buy purchasing directors & officers insurance (D&O). If the director has acted willfully and results in a claim, legal costs and compensation claims will be covered.

Professional Indemnity insurance (PI) is sometimes a regulatory requirement dependant on your occupation. Lawyers, Architects, /accountants all must purchase this cover which will indemnify an individual for bad advice or negligence.    

Property owners insurance can be found on most household insurance policies which will cover the policyholder for damages to the public for injuries arising out of accidents occurring on the policyholders premises. Businesses Public Liability would include this cover automatically.