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    LIABILITY INSURANCES

    Our policies cater to tradespeople, business owners, employees, and public service organisations operating in both low and high-risk environments.

    WE OFFER A RANGE OF SOLUTIONS INCLUDING:

    • Employer’s Liability Insurance
    • Employment Practices Liability Insurance

    • Public Liability Insurance
    • Public Liability Insurance

    • Directors and Officer’s Liability Insurance

    These components form the mainstay of our comprehensive insurance offerings, providing tailored coverage to meet the diverse needs of our clients.

    Employer’s Liability Insurance stands as a primary form of business insurance, shielding businesses from claims for injury or illness by staff arising directly from their work. Whether you operate a small business, own commercial property, or run your business from home, having employers’ liability insurance is imperative.

    In most cases, it’s recommended to have coverage for at least £5 million. This insurance is legally required, and you must prominently display details of the insurance certificate for your employees to view.

    Public Liability Insurance, on the other hand, safeguards against injuries to customers or damage to their belongings resulting from your work or premises. While not mandatory by law, public liability insurance is crucial for any business that interacts with the public or other businesses. Additionally, this insurance provides coverage for third-party claims against your business.

    Directors and Officers Liability Insurance offers protection against being sued or incurring losses due to individual acts of negligence by an employee. While not mandatory, this insurance can safeguard businesses from breaches in local market restrictions or regulations in foreign territories, particularly benefiting businesses with international operations.

    Employment Practices Liability Insurance provides protection against violations of employment practices, such as unfair dismissal and discrimination. Although not compulsory, this insurance covers the costs associated with employment claims if you’re accused of such violations.

    Employer’s Liability and Public Liability Insurance are relevant and crucial considerations in various business industries. Bluedrop offers coverage in industries such as Fleet Insurance, Landlord Insurance, and Commercial Insurance for Construction, Manufacturing, and Retail, where these products are particularly pertinent.

    Additionally, Liability Insurance can protect against a broad spectrum of claims related to health, public safety, data protection, disasters, and more. See below for our full list of Liability Insurance products.

    OUR LIABILITY INSURANCE INCLUDES

    LIABILITY INSURANCE PRODUCTS:

    • Personal Accident
    • Employer’s Liability
    • Public and Products Liability
    • Directors and Officers Liability
    • Cover for Non Executive Directors
    • Employment Practices Liability
    • Pollution Defence

    PROFESSIONAL INDEMNITY, COVERING:

    • Protection against Libel or Slander
    • Cover against loss or damage of documentation
    • Negligence in service protection
    • Cover for infringement of intellectual property rights

    LIABILITY INSURANCE FEATURES AND OPTIONS:

    • Cover up to £10million
    • Instant quotes
    • Low excess
    • Great rates for small businesses
    • Legal expenses
    • Flexible payment terms
    • Dedicated UK based Sales Team

    DO I NEED LIABILITY INSURANCE?

    If you have more than one member of staff or trade to the public, it’s highly probable that you’ll need either by law or to safeguard your business, Public, Product, or Employers Liability cover.

    Employers have a duty to ensure the health and safety of their employees while they’re at work. Any claims made against you can incur substantial costs, and this insurance cover helps offset expenses resulting from such claims.

    Liability Insurance is designed to shield your businesses from escalating costs arising from claims due to injury to the public, employees, or products.

    EXEMPTION

    The necessity for Public, Product, and Directors and Officers Liability insurance depends on the nature of your business. As mentioned, Employers Liability Insurance is the only liability insurance mandated by law, particularly if you have employees.

    Here are some scenarios where you might be exempt from requiring employers’ liability insurance:

    • Your business is not a limited company.
    • You are the sole employee.
    • You are the sole employee.
    • You own at least 50% share of a business with one other employee.
    • Your employee provides their own tools and equipment, and they don’t work exclusively for you.

    WHY CHOOSE IDEAL BROKERS INSURANCE?

    As a team of highly experienced insurance brokers, we specialize in helping businesses of all sizes find the right coverage. Whether you’re a small startup or a large corporation, we dedicate ourselves to understanding your business’s needs and concerns. We take the time to listen and tailor a quote that covers everything you require, including any additional policy cover unique to your business.