businessinsure
Liability Insurance
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Further information on liability insurance, public liability insurance, products liability insurance and employers liability insurance policy wordings.
The following is a brief summary of the insurance cover available on a UK
insurers public liability insurance, products liability insurance and employers
liability insurance package policy. This is an example of one insurance companies policy.
Many insurers offer similar public liability insurance, products liability insurance and employers
liability insurance package policies and the insurance cover will be similar. However, please note that most public liability insurance, products liability insurance and employers liability insurance package policies will differ in many ways. Employers liability insurance is covered by legislation and cannot have specific warranties applied. however, public and products liability insurance can be subject to more specific warranties. Any warranties or conditions applied to public liability insurance or products liability insurance are very important.
You should always ask for your public liability insurance, products liability insurance and employers liability insurance quotation in writing and ensure that you read through the terms, conditions, warranties, exclusions, excesses and sums insured fully before accepting any insurance quotation. If a warranty is applicable this may mean that insurance cover will not apply in certain circumstances. For example, a public liability insurance policy may exclude the use of or application of heat (ie blowlamps). If a claim is caused by this event then cover will not apply. Or, if a products liability insurance policy does not include cover for products exported to the United States of America then insurance cover may not apply for injury, illness or damage caused by products exported to the USA.
The old adage "the cheapest is not necessarily the best" is certainly true for business insurance and commercial insurance which includes surgery insurance. Businessinsure will always provide you with a full written quotation based on your insurance requirements that we have discussed. Whilst we can advise you that we feel a quotation is suitable for you, you should always ensure that any business insurance quotation that we provide to you provides adequate insurance protection for your business.
Public liability insurance, products liability insurance and employers liability insurance package policy cover summary
Employers' Liability
Indemnity Limit £10 Million (inclusive of legal costs) for any one occurrence, unless otherwise
shown in the schedule
Public and Product Liability
Indemnity Limit for any one occurrence as shown in the schedule. Limits of indemnity available are £1,000,000, £2,000,000 and £5,000,000
Other features
24 hour business assistance services
Free Helpline services available 24 hours a day, 7 days a week for:-
• Legal Advice on any business problem including Employment, Tax, Contract Disputes etc
• Emergency Assistance - rapid response from reputable local contractors to deal with any sort of emergency on your premises, including burst pipes, drainage problems, gas, electricity failures, serious roof damage
• Glass Replacement and Locksmith Services - rapid call outs for any glazing or door & window security problems.
Instalment Payment Method available in most cases
