Coversure have a vast experience in Public and Employers' Liability insurance, and have formed very good relationships over the years with underwriters. We therefore have access to a wide range of products with agreed discounts.
We can offer policies to suit your requirements, whether you are a one man band or a director of a large company with many employees. We also have broker-issue policies which mean you can have access to your employers' liability certificate or public liability schedule in minutes. Whatever your business, we can offer a policy that matches your needs, whether you are in the building allied trades, a pool cleaner, a doorman or a petrochemical engineer, we can cover it all.
Most businesses need just a simple stand alone liability policy which is easy enough to arrange, but if you need additional extras, we can provide you with advice about this as well.
There are many add-ons you may want to take, and we have markets for all of the following (some of these are also available separately):
- Employers’ Liability
- Contractor All Risks
- Plant Cover
- Personal Injury
- Products Liability
With our experience we can talk you through the extensions available and any exclusions that may apply. Policies can vary enormously in terms of what they do or don't cover, such as differing height limits, certain related higher risk activities or what locations work can be done at. Each insurance company will have different terms in order to appeal to a different part of the market, so two similarly priced policies may in fact be quite different.
Also, we understand that your business is individual, and you may have different needs to someone else in the same industry - for example, commercial electricians may need cover for efficacy and 3 phase work included on their policies, but this doesn't apply to domestic electricians. Then there's also other cover issues such as employers' liability, which seems simple on the surface, but can be quite complex depending on your circumstances - for example, whether a sub contractor is considered to be an employee under law, and when he isn't. We can advise you on all the ins and outs of liability that may apply to you, so for friendly and professional advice, call us on 0800 977 4200.