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Liabilities

If you are in business or self employed the following insurance must be considered:

Employers Liability

It is a legal requirement if you employ anyone. Employer's liability cover protects your employees and anyone else under your supervision and control, in the event of an accident or injury at work for which you are legally liable.

Public Liability

Public liability insurance is essential for firms and self - employed people. It will provide compensation if you cause injury to a member of the public or damage property. Claims for public liability can run into millions of pounds, threatening your livelihood if you do not have insurance protection.

Products Liability

If your business supplies products to consumers, you need to make sure the products are safe. The heaviest responsibility falls on producers but distributors also have legal responsibilities. Failing to meet your responsibilities can have serious consequences. You could face legal action with possible fines or even imprisonment. You could also be sued by anyone who has been injured or has suffered damage to personal property. Ignorance is not a defence, cover is essential.

Contractors All Risks

Contractors all risks insurance is a policy specially designed for builders and a number of other contractors trades to cover work in progress, and can include your tools, employee's tools, temporary buildings, contents of show houses and your own or hired plant. It may also include speculative developments and show houses awaiting sale, construction plant and materials. There are also optional extensions that could be added to a policy to tailor it for your firm's needs.

Holding sufficient and adequate cover shows that you are a well-run company or individual. As professionals we will provide you with impartial advice and free quotations.
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