Public Liability Insurance
Public liability insurance protects you against claims for injury to people (not employed by you) or damage to other people’s property caused by an accident that you are held responsible for.
It could be as simple as putting your briefcase down near a doorway and someone trips over it and hurts themselves.
It could be that while you are visinting a client’s premises or job site, you accidently knock something over and break it.
Either way if the person you have caused loss or damage to makes a claim as a result of the incident, your public liability policy will pay for both the legal costs of defending you and if you lose, the compensation due to the other person.
With so many legal firms advertising “No Win, No Fee” accident claims services these days and slips and trips being one of the biggest causes of claims, you can’t afford to take a chance.
Add public liability cover to your professional indemnity policy when you get a quote.
- Cover is available in £1 million, £2 million and £5 million limits
- Prices start at only £30 for the year.
- Cover included in a Professional Indemnity policy is for non-manual work only.
- We can cover manual work separately with a stand alone tradesman / contractors policy.
- Higher limits of cover also available, please telephone us to discuss your needs.
These days it is common for companies, Local Authorities and Government departments to insist that you have play pokies for real money this cover before they will let you work on their premises, it has become essential for contractors and freelancers.
We have several cost effective ways to buy this cover online, get yours today and don’t take the chance that one careless mistake could cost you everything.
Employers Liability Insurance
Employers Liability protects your business in the event that a claim is made for an injury suffered by an employee while carrying out their job.
Who Needs It?
In short anyone with employees, these need not be paid workers with a contract of employment, but can also include a wide range of “deemed” employees such as:
- All full and part time employees.
- Temporary workers.
- Some Agency workers. (check the contract!)
- Contractors / Freelancers unless they qualify as bona fide contractors/sub-contractors.
- Work experience students
The Law says that if you have any employees at all then you must have employers liability cover at all times and it is an offence to operate without it.
The only firms that are exempt are those with no employees for example companies with one director which only exist to contract the services of that director to clients and those firms where the only employees are close family members.
The fines for failing to have employers liability cover can be hefty, up to £2500 per day that you are without it and the Health and Safety Executive have become very serious about enforcement of the regulations in recent years.
By contrast we can add employers liability to your professional indemnity policy from only £40 per year, so why take the chance of a fine.
Check out the different ways to buy this essential cover on the right to find the best option for your business.