We live in an increasingly litigious society with an aging population. Health and Safety Executive statistics show accidents amongst the over 65s are increasing, particularly on escalators and lifts.
This has resulted in many companies insisting on adequate Liability Insurance before they let contractors set foot on their premises.
Public Liability
Cover for all sums that you become legally liable to pay as damages in respect of accidental bodily injury to any person, or loss or damage to material property, plus your defense costs and expenses arising in connection with your business. Limit of indemnity £5,000,000.
Employers Liability
Cover for all sums that you are legally liable to pay as damages in respect of bodily injury sustained by an Employee, plus costs and expenses arising out of and in the course of employment by you in your business up to a limit of indemnity of £10,000,000.
Personal Accident
Cover includes lump sum payments for accidental death, permanent disablement, loss of limbs and regular income for temporary inability to work.
Directors and Officers
Cover for all sums that you become legally liable to pay as damages in respect of any wrongful acts carried out by Directors in the management of your company, plus your defense costs of such claims.
Professional indemnity
Cover for any legal liability arising from failure to exercise reasonable care in the performance of a company's professional services.
Commercial Combined
A policy that combines various forms of insurance in one document. Typically applied to shop insurance, manufacturers, offices etc.