Simply Business Insurance
Public Liability Insurance
Public Liability Insurance is a fundamental type of business insurance, particularly if you have visitors to your premises or carry out work on client sites. It can cover legal expenses or compensation claims if clients, suppliers, or members of the public suffer personal injury or property damage because of your business.
What does Public Liability cover?
Typically, public liability covers:
- Compensation payments for third party injury (or even death)
- Repair or replacement costs, for damaged property or possessions
- Medical fees, if the NHS decide to claim for hospital treatment, or an ambulance call out
- Legal expenses, while you’re defending any of these claims
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Employers' Liability Insurance
If you have employees, contractors, casual workers or temporary staff, you are usually required by law to take out Employers’ Liability cover, to deal with any claims from employees who’ve been injured or become seriously ill as a result of working for you.
It also applies to former employees who have become ill as a result of something they did in the workplace, as long as they can prove it was a direct result of their employer’s negligence.
The Health & Safety Executive (HSE) states:
“It is an employer’s duty to protect the health, safety and welfare of their employees and other people who might be affected by their business. Employers must do whatever is reasonably practicable to achieve this.”
As an employer, you need to keep up-to-date with current Health and Safety at Work regulations. If you don’t, it might invalidate your employers’ liability cover.MORE INFO
Professional Indemnity Insurance
Professional Indemnity Insurance is an important cover for businesses that give advice or provide a professional service to clients.
What does Professional Indemnity Insurance cover?
- Professional negligence or breach of duty of care (making a mistake in your work or providing bad advice)
- Unintentional copyright infringement (such as using copyright protected content without permission)
- Unintentional breach of confidentiality (such as sharing confidential or sensitive information without consent)
- Loss of documents or data
- Defamation or libel (A published false statement that is damaging to a person’s or company’s reputation)
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For the majority of small businesses, work tools are crucial. If yours were lost, stolen or damaged, would you have the backup to keep work ticking over?
Having tools insurance in place lets you get on with what’s important, without the worry.
With Simply Business, you can insure up to £10,000 worth of tools and equipment. The level of cover you need will depend on your business, and what kind of tools you’re insuring.
What does Tool Insurance cover?
In a nutshell, tools insurance can cover your hand-tools, power-tools and equipment against loss, damage or theft. If you need insurance for tools in your van, a hired plant, machinery, stock or contents you can get cover for these as well, all wrapped up in the same policyMORE INFO