Public and Employers Liability Insurance

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It may seem very obvious but your company should make sure that it has in place both public and employers liability insurances (employers liability insurance is a statutory requirement and if not in place could produce heavy fines and criminal proceedings).

Public Liability

There are now many areas where your business can get exposed to risks. Public Liability Insurance helps protect you against these types of claims, for example your Public Liability policy can cover you for the following:

Injury to any person
Loss of or damage to property
Obstruction, nuisance, trespass or interference with, rights of way, of air, light, water or others.
Wrongful detention, imprisonment, eviction, arrest, or invasion of the right to privacy.

The standard policies usually extend to cover UK , Northern Ireland , the Channel Islands and the Isle of Man , although we can place cover 'Worldwide' including USA and Canada with UK jurisdiction and in some cases we can place public liability risks with worldwide cover outside the jurisdiction of the UK .

A public liability policy can extended also to cover such events as:

Health & Safety at work - legal defence costs
Motor contingent liability
Movement of obstructing vehicles
Leased, hired or rented premises
Cross liability
Car park and Cloakroom liability - i.e. where a car or personal belonging of a person are held in trust by you or in your custody or control
Data Protection Act - liabilities arising under the Data Protection Act to pay compensation for damages or distress
Consumer Protection Act - legal costs & expenses
Bona-fide - sub-contractors
Defective Premises Act
Product Liabilities

So a Public Liability policy clearly helps you or your business protect against a vast number of possible exposures.

Employers Liability

The importance of an Employers Liability policy is clearly a very important issue. If you either employ a person as a trader (even on a part-time or voluntary basis) or have a limited company and employ someone, by law you must have and display an employers liability certificate (and retain the copy of that certificate for a period of 40 years).

The penalties for not holding an employers liability certificate can be severe with fines up to £2,500 per day.

Cover is usually a minimum £10,000,000 and will protect the company or employers against claims that maybe made by an employee of a business and given nowadays claims can range from mental anguish to industrial injury and many more exposures besides this cover

Employers Liability Insurance is essential to most businesses and employees for their protection and to provide the employer with legal defence costs and damage awards