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Public Liability Insurance(UK only)

The following details are from the brochure of  four counties insurance brokers. You can be provided with cover by telephone, fax or e-mail in any part of the United Kingdom excluding northern Ireland. Contact details:
                                       Four Counties are members of the General Insurance Standards Council . Offices at:
40 HUNTINGDON STREET ST NEOTS                        and                  ALMA HOUSE, EAST STREET ST. IVES
CAMBS                                                                                                   CAMBS
PE19                                                                                                        1XF PE27 5PD

TEL NO 0845 310 03 04

FAX NO 01480—407101/496194                                  Web: 4counties.co.uk

You need to phone or fax for a quote; describing what you require.
Rough guide to pricing; a Sole Trader requiring £1,000,000(one million) cover would pay an annual premium of approx. £105(one hundred and five); £2,000,000(two million)cover would pay an annual premium of approx. £140(one hundred and forty).

Indemnity Limits for sole traders, partnerships and small limited companies

£5 million

£2 million

£1 million

£500,000

Employer’s Liability Option

£10 million                  Indemnity Limit

Tools Option

Limits
£1250                        Any one Insured Person any period of Insurance

£250                          Any one Tool

UNDERWRITING NOTES

1. PERMITTED WORK

For some trades work is restricted to specified types of premises

1.1 For trades specified in the trade chart, cover operates only for work on buildings or parts of a building occupied solely as private dwellings, shops, offices, hotels, public houses, guest houses, schools, colleges, residential, retirement or nursing homes

1.2 For painters and decorators, cover operates only for work on buildings of not more than four floors (including basement and attic) occupied solely as private dwellings, shops, offices, hotels, public houses, guest houses, schools, colleges, residential, retirement or nursing homes

2. EXCLUDED WORK

Unless specially endorsed all policies exclude

2.1 Excavations below three metres

2.2 Felling/lopping of trees higher than five metres

2.3 Pile driving, quarrying the use storage or possession of explosives, water diversion or work under water, fuel, gas or mineral exploration or extraction

2.4 Work

2.4.1 involving tower cranes or cradles

2.4.2 in or on blast furnaces, chimney or well shafts, viaducts, bridges, mines, refineries, offshore installations, power stations, dams, tunnels, airports, aerodromes, docks, wharves, piers, harbours, railways, motorways, ships, aircraft, towers or steeples

2.4.3 in or on any building used for the manufacture, processing or bulk storage of any gas, chemical, explosive, oil or petroleum based product

2.4.4 on business computers or ancillary equipment including cables

2.5 Unless incidental to a building contract covered by this policy the demolition or partial demolition of any structure, the surfacing or construction of roads or underground services

Employers' liability insurance

Under the Employers' Liability (Compulsory Insurance) Act 1969, every employer must insure against legal liability for bodily injury or disease sustained by his/her employees arising out of, or in the course of, their employment. Failure to do this is a criminal offence.

Amount

The minimum amount of employers' liability insurance is 2 million pounds sterling in respect of any one claim, and the policy must be effected with an authorised insurer: ie a person or company carrying on an insurance business relevant for the purposes of Part 2 of the Companies Act 1967. A list of authorised insurers is available from HMSO.

Availability of policy

The policy document or a copy must be kept available for inspection by a person authorised by the Health and Safety Executive who administer and enforce the Act. A copy of the certificate of insurance must also be displayed at the employer's place(s) of business so that it can be seen and read by all his/her employees.

As with public liability insurance, all proprietors are advised to discuss their insurance requirements with their broker so that they may be sure of being adequately insured against all risks which may reasonably arise.

Health and safety at work 'Six Pack'

These new regulations came into force at the beginning of 1993 and implement six EC directives. They place responsibilities on all employers for their employees and others who may be affected by the work activities on their premises. The self-employed also come within the scope of the regulations.

Broadly speaking, the regulations reinforce existing health and safety legislation. Their overall emphasis is on effective health and safety management and employers are made responsible for assessing risk and installing the appropriate safety measures.