Archives 2011

An events organiser

I am an Events Organiser:

Such as Indoors or outdoors, exhibition, show, market or fayre.

Best practice:

Due to various tasks involved in organizing an event and the potential of things going wrong such as:

• Damages to equipment and property
• Injuries and illnesses to Entertainers, Exhibitors, Speakers, Sub-contractors, and Suppliers
• Trips and falls, claims made by members of the public
• Volunteers and Staff issues
• Reduced attendance or Cancellation of events due to weather conditions

Public Liability Insurance protects you against compensation demands which arise as a result of and in connection with the event. This policy can be tailored to add

• Cancellation cover,
• Employers Liability
• Property Damage

If you employ someone to work for you whether full time or part time, then you need  Employers Liability Insurance which is required by law.

• Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working at the venue as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Tradesman with any number of employees

I am a Tradesman with any number of Employees:

• A Builder (Commercial or residential)
• An Electrician
• A Plasterer
• A Plumber
• A Roofer

There is no legal requirement for you to have this insurance cover, however your clients may want you to have it before awarding you a contract or even allowing you access to the site.

Best practice:

Whether you are a commercial or residential tradesman due to

• the physical demands of the work involved,
• the extensive use of power assisted equipment and machinery
• working at heights
• working below ground
• digging grounds with hidden power cables, utility ducts, water gas or sewage.

Accidents and mishaps do occur in your field of work and environment and as such the industry generally recommends that you buy for your peace of mind a Public Liability Insurance Policy. That will cover you against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you personally.  If successful the compensation award could be substantial and more than likely put a strain on the your finances threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you or any of your employees cause damage to their own property or injure their personnel or customers.

As you are an employer you need Employers Liability Insurance which is required by law.

Employers Liability Insurance, covers the company should any member of its staff suffer an injury in the workplace or away from the workplace at customer’s premises as a result of their work or duties. This cover does not replace Public Liability Insurance and it will not cover the public.

Tradesman commercial or residential preoperties – no employees

• A Roofer
• A Builder
• A Plasterer
• A Plumber
• An Electrician

There is no legal requirement for you to have this insurance cover however your client may want you to have Public Liability Insurance  before awarding you a contract or even allowing you access to the site

Best practice:

Whether you are a commercial or residential tradesman due to

• the physical demands of the work involved,
• the extensive use of power assisted equipment and machinery,
• working at heights,
• working below ground level,
• digging trenches with the potential hazard of not knowing the whereabouts of power cables, drains etc.

Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you cause damage to their own property or injure their personnel or customers. Accidents and mishaps do occur in your field of work and as such the industry generally recommends that you buy, for your peace of mind, Public Liability Insurance Cover.

This policy will cover you against unforeseen circumstances that could put your business and personal wealth at risk should a claim for compensation be made against you.  If successful the compensation award could be substantial and more than likely will put a strain on your finances, threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, should you in the future employ someone to work for you, then you need Employers Liability Insurance which is required by law

Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

We are a limited company

• We are a limited company with one employee, the director only, or
• We are a large company with several employees
• Offering products and or services to other businesses or to the public
• The public may visit our premises

There is no legal requirement for you to have this insurance cover.

Best practice:

The industry generally recommends that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against the company or any of its employees.  If successful the compensation award could be substantial and more than likely put a strain on your company’s finances threatening your company’s existence and the future prospects of its employees. However, you need Employer’s Liability Insurance which is required by law.

• Employers Liability Insurance, covers your company should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Self employed with no employees

I am Self Employed, Sole Trader, with no Employees:

• I offer products and or services to other businesses or to the public
• The public may visit my premises

There is no legal requirement for you to have this insurance cover.

Best practice:

The industry generally recommends that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you or against your firm.  If successful the compensation award could be substantial and more than likely put a strain on your finances. Furthermore, the award may have to be met from your own personal wealth.

Should you in the future employ someone to work for you then you need Employers Liability Insurance which is required by law.

• Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Who needs Public Liability

This cover is not a compulsory requirement by law but it might be a contractual obligation requested by your customer before allowing you entry into their premises to perform the contracted work.

I am Self Employed with no Employees:

• I offer products and or services to other businesses or to the public
• The public may visit my premises

There is no legal requirement for you to have this insurance cover.

Best practice:

In general the industry recommends that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you or against your firm.  If successful the compensation award could be substantial and more than likely put a strain on your finances. Furthermore, the award may have to be met from your own personal wealth.

Should you in the future employ someone to work for you then you need Employers Liability Insurance which is required by law.

• Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

We are a Limited Company:

• We are a limited company with one employee, the director only, or
• We are a large company with several employees
• Offering products and or services to other businesses or to the public
• The public may visit our premises

There is no legal requirement for you to have this insurance cover.

Best practice:

In general, the industry recommends that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against the company or any of its employees.  If successful the compensation award could be substantial and more than likely put a strain on your company’s finances threatening your company’s existence and the future prospects of its employees. However, you need Employer’s Liability Insurance which is required by law.

• Employers Liability Insurance, covers your company should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

I am a Tradesman (Commercial or Residential) with no Employees:

• A Builder
• An Electrician
• A Plasterer
• A Plumber
• A Roofer

There is no legal requirement for you to have this insurance cover however your client may want you to have Public Liability Insurance  before awarding you a contract or even allowing you access to the site

Best practice:

Whether you are a commercial or residential tradesman due to

• the physical demands of the work involved,
• the extensive use of power assisted equipment and machinery,
• working at heights,
• working below ground level,
• digging trenches with the potential hazard of not knowing the whereabouts of power cables, drains etc.

Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you cause damage to their own property or injure their personnel or customers. Accidents and mishaps do occur in your field of work and as such the industry recommends that you buy, for your peace of mind, Public Liability Insurance Cover.

This policy will cover you against unforeseen circumstances that could put your business and personal wealth at risk should a claim for compensation be made against you.  If successful the compensation award could be substantial and more than likely will put a strain on your finances, threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, should you in the future employ someone to work for you, then you need Employers Liability Insurance which is required by law

Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

I am a Tradesman with any number of Employees:

• A Builder (Commercial or residential)
• An Electrician
• A Plasterer
• A Plumber
• A Roofer

There is no legal requirement for you to have this insurance cover however your client’s may want you to have it before awarding you a contract or even allowing you access to the site.

Best practice:

Whether you are a commercial or residential tradesman due to

• the physical demands of the work involved,
• the extensive use of power assisted equipment and machinery
• working at heights
• working below ground
• digging grounds with hidden power cables, utility ducts, water gas or sewage.

Accidents and mishaps do occur in your field of work and environment and as such the industry recommends that you buy for your peace of mind a Public Liability Insurance Policy. That will cover you against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you personally.  If successful the compensation award could be substantial and more than likely put a strain on the your finances threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you or any of your employees cause damage to their own property or injure their personnel or customers.

As you are an employer you need Employers Liability Insurance which is required by law.

Employers Liability Insurance, covers the company should any member of its staff suffer an injury in the workplace or away from the workplace at customer’s premises as a result of their work or duties. This cover does not replace Public Liability Insurance and it will not cover the public

I am an Events Organiser:

Such as Indoors or outdoors, exhibition, show, market or fayre.

Best practice:

Due to various tasks involved in organizing an event and the potential of things going wrong such as:

• Damages to equipment and property
• Injuries and illnesses to Entertainers, Exhibitors, Speakers, Sub-contractors, and Suppliers
• Trips and falls, claims made by members of the public
• Volunteers and Staff issues
• Reduced attendance or Cancellation of events due to weather conditions

Public Liability Insurance protects you against compensation demands which arise as a result of and in connection with the event. This policy can be tailored to add

• Cancellation cover,
• Employers Liability
• Property Damage

If you employ someone to work for you whether full time or part time, then you need  Employers Liability Insurance which is required by law.

• Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working at the venue as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Who needs Public Liability Cover

I am Self Employed with no Employees:

• I offer products and or services to other businesses or to the public
• The public may visit my premises

There is no legal requirement for you to have this insurance cover.

Advice:

However, it is advisable that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you or against your firm.  If successful the compensation award could be substantial and more than likely put a strain on your finances. Furthermore, the award may have to be met from your own personal wealth.

Should you in the future employ someone to work for you then you need Employers Liability Insurance which is required by law.

• Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

We are a Limited Company:

• We are a limited company with one employee, the director only, or
• We are a large company with several employees
• Offering products and or services to other businesses or to the public
• The public may visit our premises

There is no legal requirement for you to have this insurance cover.

Advice:

It is advisable that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against the company or any of its employees.  If successful the compensation award could be substantial and more than likely put a strain on your company’s finances threatening your company’s existence and the future prospects of its employees. However, you need Employer’s Liability Insurance which is required by law.

• Employers Liability Insurance, covers your company should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

I am a Tradesman (Commercial or Residential Premises) with no Employees:

• A Builder
• An Electrician
• A Plasterer
• A Plumber
• A Roofer

There is no legal requirement for you to have this insurance cover however your client may want you to have Public Liability Insurance  before awarding you a contract or even allowing you access to the site

Advice:

Whether you are a tradesman working on commercial or residential properties due to:-

• the physical demands of the work involved,
• the extensive use of power assisted equipment and machinery,
• working at heights,
• working below ground level,
• digging trenches with the potential hazard of not knowing the whereabouts of power cables, drains etc.

Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you cause damage to their own property or injure their personnel or customers. Accidents and mishaps do occur in your field of work and as such it is recommended that you buy, for your peace of mind, Public Liability Insurance Cover.

This policy will cover you against unforeseen circumstances that could put your business and personal wealth at risk should a claim for compensation be made against you.  If successful the compensation award could be substantial and more than likely will put a strain on your finances, threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, should you in the future employ someone to work for you, then you need Employers Liability Insurance which is required by law

Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

I am a Tradesman with any number of Employees:

• A Builder (Commercial or residential)
• An Electrician
• A Plasterer
• A Plumber
• A Roofer

There is no legal requirement for you to have this insurance cover however your client’s may want you to have it before awarding you a contract or even allowing you access to the site.

Advice:

Whether you are a commercial or residential tradesman due to

• the physical demands of the work involved,
• the extensive use of power assisted equipment and machinery
• working at heights
• working below ground
• digging grounds with hidden power cables, utility ducts, water gas or sewage.

Accidents and mishaps do occur in your field of work and environment and as such it is recommended that you buy for your peace of mind a Public Liability Insurance Policy. That will cover you against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you personally.  If successful the compensation award could be substantial and more than likely put a strain on the your finances threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you or any of your employees cause damage to their own property or injure their personnel or customers.

As you are an employer you need Employers Liability Insurance which is required by law.

Employers Liability Insurance, covers the company should any member of its staff suffer an injury in the workplace or away from the workplace at customer’s premises as a result of their work or duties. This cover does not replace Public Liability Insurance and it will not cover the public

 


I am an Events Organiser:

Such as Indoors or outdoors, exhibition, show, market or fayre.

Advice:

Due to various tasks involved in organizing an event and the potential of things going wrong such as:

• Damages to equipment and property
• Injuries and illnesses to Entertainers, Exhibitors, Speakers, Sub-contractors, and Suppliers
• Trips and falls, claims made by members of the public
• Volunteers and Staff issues
• Reduced attendance or Cancellation of events due to weather conditions

Public Liability Insurance protects you against compensation demands which arise as a result of and in connection with the event. This policy can be tailored to add

• Cancellation cover,
• Employers Liability
• Property Damage

If you employ someone to work for you whether full time or part time, then you need  Employers Liability Insurance which is required by law.

• Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working at the venue as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

What does it cover

Public Liability insurance covers injury and damage claims brought against your business, these could have happened at your own workplace, or at a customer’s workplace as a result of work your business is undertaking. Read More

What is Public Liability

Public Liability is a business insurance policy that provides cover from injury or property damage claims. Read More

Public Liability Insurance

Claims & Injuries Examples

• Alarm Installer – Cover yourself against damages to property when you are installing an alarm system. Like drilling through electrical wiring, gas or water pipes and or causing injury to the public.

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• Bricklayer – Cover against damage to premises you are working on should your  trellis or ladder accidentally collapse, sending bricks falling on to fences, neighbour’s cars or conservatories  and/or causing injury to the public.

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• Builder – Cover against accidental damage to the premises you are working on. Example: Trellis, ladder, hoists or scaffolding collapsing sending bricks and masonry  on to fences, neighbour’s cars or damaging parts of the building that you are not working on  and or causing injury to the public.

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• Bathroom Installation – Cover against accidental damage to the premises you are  working on. For example you may accidentally cause a leak and this floods the property you are  working on causing thousands of pounds of damage and or causing injury to the public.

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• Carpenter – Cover against accidental damage to the premises you are working on. For example while fitting a door you manage to put a nail through electric wiring or damage the surrounding area such as an expensive television or ornament and or causing injury to the public.

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• Ductwork Installers – Whilst carrying out drilling to walls to put in ducting you could drill electric wires, hidden pipes or if your ladder slips from under your feet you could be hanging from the ceiling which could give way causing structural damage and or causing injury to the public. .

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• Drylining – During your general tasks as a dryliner you could accidentally cause damage to a customers property meaning you need to make a claim on your public liability insurance and or causing injury to the public. .

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• Glazier –  Damage to expensive window frames  or  damages to carpets and furniture should the glass pane accidentally fall out before permanent fixing.

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•  Roofers –  Ladders may fall or roof tiles may fall and pierce conservatories, damage cars or flat roofs or cause damage to neighbouring properties and/or causing injury to the public.

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• Joiners – There has been a large surge in liability insurance for dry liners in the UK due to increased risks with regards to accidentally damaging customers property during the course of the occupation and or causing injury to the public. .

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•  Plasterers – Cover against damage to property you are working on like:  Damaging fixtures and fittings in the area you are working in should your ladder /step ladder fall on them and or causing injury to the public.

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• Plumbers –  Cover against accidental damage to the premises you are working on.  For example you may accidentally cause a leak and this floods the property you are working on causing thousands of pounds of damage and or causing injury to the public. .

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• Satellite and/or TV Installers – Cover against accidental damage to the premises you are working on. For example you may accidentally  knock tiles of the roof or weaken the chimney you are putting a bracket on and it collapses causing damage to surrounding properties and or causing injury to the public.

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Public Liability Insurance – Injuries

Common accidents that result in injury to the public for which you will be liable for the injuries caused:

• Accidentally dropping a tool or tile from high above ground causing an injury to a member of the public who is either standing by or walking past below.

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• Leaving equipment, packaging or tools lying around which a member of the public trips over and injures themselves.

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• Leaving hazardous materials around premises which the public is not aware of and has no knowledge on how to handle these materials, especially young children who may play with this toxic material thinking it is safe to do so.

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