Employers Liability By law – Employers Liability (Compulsory) Insurance Act 1969 – you are required to insure against your liability to pay damages to an employee who suffers illness, injury or disease whilst working for you.
Cover must be for a Minimum limit of indemnity of £5,000,000, although most insurers offer £10,000,000 as standard. Cover must be arranged in all cases, where there are full-time, part-time or casual employees or, where there is a “master-servant†relationship.Employers Liability Cover provides protection against claims brought against you for alleged or actual bodily injury or death to employees for which you are legally liable.
Public Liability
Cover is not statutory but is strongly recommended.
You have a responsibility to the Public and could be held liable for accidental bodily injury, death or damage to third party property arising out of your business activities.
Public Liability Cover provides protection against claims brought against you for alleged or actual bodily injury, death or damage to property belonging to others for which you are legally liable.
Products Liability
Cover is not statutory but is strongly recommended.
Products Liability Cover provides protection against claims brought against you for alleged or actual accidental damage or injury to third parties or their property due to products manufactured, supplied or sold by your Company and for which you are legally liable.
Policies can be arranged in accordance with your individual requirements.
All liability policies are subject to exclusions and terms that may vary according to your occupation, business or type of trade.