Public and Employers Liability Insurance

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:

1. Injury to any person
2. Loss of or damage to property
3. Obstruction, nuisance, trespass or interference with, rights of way, of air, light, water or others.
4. 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:

1. Health & Safety at work - legal defence costs
2. Motor contingent liability
3. Movement of obstructing vehicles
4. Leased, hired or rented premises
5. Cross liability
6. 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
7. Data Protection Act - liabilities arising under the Data Protection Act to pay compensation for damages or distress
8. Consumer Protection Act - legal costs & expenses
9. Bona-fide - sub-contractors
10. Defective Premises Act
11. Product Liabilities

So a Public Liability policy clearly help 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 (even of a part-time or voluntary basis) or have a limited company by law you must have and display an employee's liability certificate (and retain the copy of that certificate for a period of 40 years).

The penalties for not holding an employees 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.