Posts Tagged ‘Liability Insurance’

Employers Liability Insurance

Employers’ Liability Insurance protects employers from claims of negligence made by employees who suffer injury or ill health due to their work.  Unlike most other types of insurance, Employers’ Liability Insurance is compulsory. If you employ workers based in England, Scotland or Wales (including offshore installations or associated structures), your company must carry Employers’ Liability Insurance to avoid substantial fines.

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Basis of Liability Cover

Basis of Liability CoverLiability policies are offered in two forms and it is important to know the difference between these:

Occurrence coverage

This can be the preferable option for a business owner.  Cover is provided for a claim no matter when it occurs.  If the claim is reported today but the incident occurred several years previously, subject to certain conditions, the insurer should deal with the claim.  A good example is the mesothelioma claims which have been occurring recently when the ‘caused’ date (exposure to asbestos) is many years previously. Problems can arise when buying a business where the insurance cover has not been fully investigated and the insurance history has not been completely determined.  Claims can arise leaving the company with a liability that they did not expect and can ultimately cause the business to fail.

Claims made policies

Claims made policy will only react to claims made during the period of insurance.  After the insurance period, if the client does not pay the renewal, then cover ceases.  Some insurer especially providing life sciences insurance cover insist on claims made cover. To continue cover after the insurance period ends then tail cover (extended reporting period endorsement) can be requested. If you take out cover with another insurer having claims made cover then you must take out tail coverage.

We are happy to discuss your Liability Insurance queries with you – call us on 01707 883377 or email us on

Image courtesy of Stuart Miles /

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Liability Insurance Injury Claims

Liability InsuranceFrom the 1st April 2013, new regulations came into effect that change the way employers and public liability insurance injury claims are dealt with. If your business faces a claim with a value up to £25,000, the process in which it is dealt with has changed.  So how does this impact on your business?  This is the new protocol: 1) All personal injury claims must be reported to your insurer by the claimants representatives via an electronic portal (already carried out for Road Traffic Act claims since April 2010) 2) Three stages to the process are applicable with strict timescales and fixed costs payable at certain stages. 3) Once an insurer is notified, they have 30 days to admit liability in respect of employers liability claims and 40 days for public  liability claims. 4) If contributory negligence is alleged, the case will fall outside the process and is expected to attract higher costs. 5) Under an employers liability claim the defendant has to provide details of earnings within 20 business days of the admission of liability.

As a policy holder, what am I expected to do?

Its advised to keep claims within this process so as to keep costs down.  To do this you will need to: – Notify anything you think will or may be a claim immediately.  If you are not sure, notify anyway (speak to your broker) – Obtain and gather as much information as you possibly can surrounding an accident or incident.  This is so an early decision can be made by your insurers and avoids the need for detailed investigations to be carried out by your insurers, incurring further costs. – Take an objective opinion of who is to blame and if there is only a small element contributory negligence, consider the cost benefits of an early admission to insurers against costs payable if the claims falls outside the process.

We are happy to discuss your liability queries with you – call us on 01707 883377 or email us on

  Image courtesy of Stuart Miles /

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Royal Wedding Insurance

Royal Wedding As we all know, the Royal Wedding is fast approaching and many are holding street parties to celebrate the big day.  This in its self could bring problems if someone is injured or damage occurs.  Don’t worry – if you are arranging  party to remember in your street and require liability insurance, contact Bromwall.  We have specialist policies which are designed to cover the big day and take away any worries you may have. Contact David Walton at Bromwall Ltd to discuss further on 01707 883377 or email us on or see our liability insurance page here

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