Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers' Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.
Employers' liability insurance will enable you to meet the cost of compensation for your employees' injuries or illness whether they are caused on or off site and we are able to provide this cover for you and give advice on how to proceed.
If you manufacture or supply goods, there's always the possibility that your product could cause damage to a third party – that could be property or another person. A small defect could open you up to massive claims, so this cover is vitally important for product manufacturers.
Public liability insurance covers you against any claims made against your business – for example if you were held legally liable for personal injury, or for damage done to property. The insurance will also cover you for any legal costs associated with defending claims against your business.
Even if you work from home it may be that you need public liability insurance. If clients often visit you at your home office then this policy will cover you, if they injure themselves while they're on your premises (it could be something as daft as tripping over the carpet!). And don’t forget if you regularly work off-site your policy should apply to off-site as well as on-site jobs.
(Please Note: Covers detailed above are dependent on the policy that you have purchased).
If you have any other requirements or need specialist insurance cover please call us today or contact our underwriters by completing the enquiry form on your right.
IF YOU HAVE ANY OTHER REQUIREMENTS OR NEED SPECIALIST LIABILITY COVER PLEASE FILL IN THE FORM BELOW AND WE WILL BE IN CONTACT WITH YOU SHORTLY:
Alternatively call us today on: 020 8950 0166 and we can discuss your liability requirements.
Oakwood Insurance is an independent Insurance broker based in Bushey Heath Hertfordshire, with connections countrywide. We specialise in Commercial and Personal Lines Insurance | MORE
If you have an emergency and need to claim please download our EMERGENCY NUMBERS PDF and contact the appropriate claims number listed that relates to your policy provider | MORE
We work with/and partner with a number of useful companies that specialise in temporary cover, installing safes, installing security, valuations, risk management and car repairs | MORE