Liability Insurance
As a broker, there are two main forms of liability insurance which we specialise in:
- Public liability insurance
- Employers liability insurance
Whilst public liability is not necessarily a legal requirement in the UK, if you have any employees then you are legally required to have employers liability cover. There are several example incidents where liability insurance could come into effect:
- An employee is working on a ladder and falls off injuring themselves
- Whilst carrying equipment into a property you knock over an item and damage it
- Whilst working on the top of a property you drop a tool and inure a person or damage some property
- You leave a brief case on the floor and someone trips over it injuring themselves
This is just a small sample list of what could happen during the course of your work and why liability insurance is so crucial. If you have any employees then by law you are required to have employers liability which is to cover yourself against any employees holding you liable for an injury they incur whilst working under your direction. |
