Employers’ Liability Insurance
Employers’ liability insurance covers legal defence costs and awards made against you arising from your liability at law for injury to your employees. This is compulsory if you employ staff. So if an employee alleges that he was injured by a machine whilst carrying out his job, the insurer will act for you and will either defend the claim or negotiate a settlement.
Public Liability Insurance
Public liability insurance covers legal defence costs and awards made against you arising from liability at law for injury to others or damage to their property arising out of your business activities (but not products supplied). For example a visitor to your premises might trip over some packing materials or be injured by a moving forklift truck.
Products Liability Insurance
Products liability insurance covers legal defence costs and awards made against you arising from liability at law for injury to others or damage to their property arising out of products or services supplied by you. So if the product you manufacture injures a customer or damages their property, the insurer will act for you and defend your liability.
Financial Loss Insurance
To cover legal defence costs and awards made against you arising from liability at law for pure financial loss (not injury to others or damage to their property) arising out of products or services supplied by you.
Environmental Liability Insurance
New legislation has imposed greater responsibilities on property owners and businesses regarding the costs of cleaning up pollution including historic pollution. Environmental Liability policies can be tailored to your requirements, giving you the level of protection you require, either as a potential polluter or as a landowner sitting on an unknown risk.
Property Owners Liability Insurance
The owner of a property has a different liability to the occupier. For example, if a piece of roofing falls from a building and injures a passer-by or damages a car, the owner needs suitable liability insurance to cover the defence costs and any aware that might be made against them.
Directors’ & Officers’ Liability Insurance
Directors’ and officers’ liability insurance protects the personal assets of a director or senior employee following an allegation that they committed a wrongful act during the course of employment e.g. Health & Safety at Work, employment dispute or financial matters.
As independent insurance brokers, we give advice about and arrange all these types of insurance for businesses in Bromsgrove, Redditch, Worcester, Droitwich, Evesham, throughout Worcestershire, Warwickshire and beyond.
If you would like to discuss any requirements you may have without obligation, please call us on 01527 834696 or CLICK HERE.