Welcome
Public Liability Insurance(PL) - Your legal cost to pay damages
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 insurance 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 insurance policy clearly help you or your business protect against a vast number of possible exposures.
Employers Liability Insurance (EL) - If you employ people
There is a legal requirement for most employers. The Employers Liability (compulsory insurance) Act 1969 set out a minimum level of Employers Liability Insurance required currently at £5,000,000 (although most insurers offer £10,000,000 as standard cover).What is Employers Liability Insurance and why do you need it?
As an employer you are responsible for the welfare of your employees when they are at work, either at your premises or working on your behalf away from your premises.
The Health & Safety Executive (HSE) has specific requirements that employers must meet, irrespective of insurance policies, however, the employers liability insurance policy will enable companies and business to pay compensation to any of those employees who may suffer injuries or illness on or off the premises and could be considered a fault of your organisation.
It is important to stress that if you employ staff you must make them aware that you hold a current Employers Liability Insurance Certificate and that it is visually displayed in your offices or available to look at electronically. If you do not have an Employers Liability Insurance Certificate and employ staff you could face a fine of up to £2,500 a day for not doing so. It is therefore pretty critical to check with your insurance broker if this applies to your business.
