Our offering can be tailor made to cover the contractual risks and media risks that come with their public appearances, and the content they share on their social media and You Tube.
Worldwide equipment cover at home or away from property
Public liability cover for claims against both clients (agency/brands) and their end clients (brands).
Cover for your staff.
Optional enhancement to add up to £50,000 of defence costs to defend regulatory investigations into ad disclosure practices. Option to work with client’s own lawyers with our prior written consent.
Cover for claims arising from unauthorised access to your social media.
The most appropriate cover possible for individuals or their commercial endeavours, subject to the Consumer Insurance (Disclosure and Representations) Act 2012 or Insurance Act 2015 (where relevant).
Clear and broad breach of contract cover for promotions, endorsements and sponsorships.
As an employer you are responsible for the health and safety of your employees whilst they are at work. Should your employees be injured at work or become ill as a result they may be able to claim compensation. The Employers' Liability Act 1969 made employers’ liability insurance compulsory in the UK for most businesses with employees. Employers' liability insurance enables your business to meet the cost of compensation awarded to injured employees as well as associated legal costs.
When you take out or renew a policy including employers' liability insurance with us we will provide you with a certificate of employers' liability insurance that will state the companies covered by the policy. This must be displayed prominently where your employees can read it. You may display your certificate electronically but if you choose to do so you must ensure that your employees know how and where to find it and have reasonable access.
If you employ staff, you are legally required to take out employers' liability insurance but if you fail to do so you may be fined up to £2,500 for any day which you are without suitable cover. This is enforced by the Health and Safety Executive.
We will only arrange your employers' liability cover when we are also arranging
your public liability insurance, or as part of a small package business cover policy.
Whilst public liability insurance is not compulsory this will protect your business
from claims for injury or damage from third parties other than employees.
Towergate can offer public liability insurance policies with cover from £1 million up to £10 million or higher. The amount you need will depend on several aspects:
When you are contracting with companies, please check with them to find out if there is a minimum amount of public liability insurance required.
Your public liability insurance cost will depend on a number of factors, including:
Public liability insurance is important for many reasons, so we’ve broken them down to explain each one in detail.
All business owners and tradespeople have a duty of care for those they work for, and to the general public at large. If things go wrong and an accident occurs, then there is the chance you may be alleged to have been at fault. This is where Public Liability will be particularly useful to you, as it will initially protect you by paying your legal defence costs. In the event that you are found to be at fault and responsible. Then a Public Liability policy will pay compensation for the damages arising from the accidental third-party bodily injury or accidental damage caused to their property, up to limit of indemnity under your policy.
it is important to understand that Public Liability insurance is not a guarantee of your work. The cover provides for the accidental consequences of defective workmanship, not the rectification of the defective work itself., the latter is your risk and known as a ‘trade risk’.
For example, if you install radiators at strange angles, your customer may reject the work and ask for it to be redone. If this is the case, then the associated time and costs to correct the fitting will be entirely down to you.
However, if due to your poor installation, a pipe fitting accidently leaks, causing damage to third party property then these are the likely costs to be covered by your public liability insurance. Commonly you would be responsible for the first part of any damage claim called a Third Party Property Damage excess. The excess amounts do vary between policies, typically ranging from £50 to £100. It is not uncommon for the more hazardous activities to attract a £250 excess or higher. You must check your policy for the excess and any terms, conditions or exclusions that may apply.
Another example of a trade risk would be where a glazier is fitting a glass window and the glass pane cost £1000. If the glazing contractor accidentally breaks the glass causing injuries to members of the public below, the compensation costs for the injuries will be covered under a public liability policy, but the glazier would not be covered for the replacement cost of the broken window pane itself.
Public liability insurance is not usually a legal requirement like employer’s liability insurance, but there aren’t many businesses that can safely operate without this protection.
Despite all the precautions under the sun, accidents can and will happen, and being vulnerable to a lawsuit can spell disaster for a growing business. As our public liability insurance can cover up to £10 million, the importance of having this protection is clear.
Given this, it is likely other organisations will not work with you unless you have public liability insurance, and local authorities often require businesses in their area to have the cover in place before trading.
While public liability insurance is therefore not required by law, it is likely to be necessary for your business to operate successfully.
General liability insurance is a broad term widely used in the US, rather than here in the UK. This term tends to describe general claims involving accidental bodily injury or damage to property arising from work performed or from the supply of a faulty or defective product by your firm. These types of insurance cover are commonly known as general, public and products liability insurance.
When starting a new business, you should have public liability insurance in place before you start trading. In fact, it should be a key consideration during the planning stages of your venture. Let’s say for example that you’re planning to open a café and you’re showing a surveyor around the building before the official opening. If the surveyor slips and sustains an injury, you need to be covered.
It may be tempting to cancel your insurance policy as soon as you cease trading, but don’t be too hasty. You’ll need to ensure that any stock or property is covered in the event of accidental damage or fire.
If you’re providing advice, you may wish to consider opting for run off cover. This covers your business from claims even after you cease trading. For example, if you provide a client with advice just before you retire, you can still be sued for providing bad advice even after you’ve stopped working.
Yes, public liability insurance is tax deductible when calculating taxable profit, as an 'allowable expense' (an expense you can deduct when calculating taxable profit for your tax return). It is included in HMRC’s definition of allowable expenses.
When you buy your public liability insurance, be sure to keep your receipt and your policy documents safe so that you can show your tax calculations if your business is checked by HMRC. Also, if you have an accountant that does your tax return, you will need these documents to show them the cost of your cover so they can calculate it correctly and ensure your public liability insurance is tax deductible.
While public liability insurance provides cover against claims from members of the public for damage to their property or bodily injury caused to them due to your negligence. Employers' liability insurance protects the business from allegations of accidental bodily injury or illness to employers sustained whilst engaged in business activities for you. If you are at fault the policy will initially cover your legal defence costs and then will pay any court awards for injury.
As soon as you become aware of a claim or potential claim being made against you for injury or damage:
We recommend that you:
If you accept liability before referral to your insurer’s then you could prejudice you and your insurers' ability to defend any claim made against you.
Temporary covers are available, usually under specialist schemes for special events, exhibitions, weddings and concerts. The premiums vary according to the size of the event, the type of activities and the number of person involved. There’s often a minimum premium attached to temporary policies, so it can be more cost-effective to choose a policy for the year rather than a short period.
It’s possible to take out insurance for special events. For example, the forthcoming celebrations to mark the Queen’s Platinum Jubilee in 2022 will trigger a huge demand for short-term insurance to cover street parties, local festivals and one-off public events.
Public liability insurance is also required for firework displays. The terms of the policy will depend on the size of the event, numbers in attendance. Whether you’re an individual, a local community association, a school, or a church. Councils will very likely need to see evidence of the minimum level of cover.
If you don’t take out public liability insurance, you won’t be protected if you or your business are sued by a member of the public for accidental damage caused by you or your firm to their property, or accidental bodily injury arising from allegations of negligence from your work activities.
This may be potentially expensive for you, as you would have to fund your own legal costs. Even worse, if you are sued and found to be at fault and guilty, you’ll have to find the money for any compensation payments yourself.
Without public liability cover, your assets, your professional reputation and your business could be at risk.
To help you spread the cost of your premiums, we offer a quick and easy direct debit instalment scheme for spreading payment over ten months, through our preferred provider, Premium Credit Limited (PCL). Please visit our dedicated instalment Direct Debit page to find out more.
A variety of payment options are available and the interest transaction charge and annual percentage rate (APR%) vary according to the amount of the premium, the number of monthly instalments and type of premium finance scheme selected. We will give you full details of the additional amount payable, instalment amounts, number of instalments and APR when you ask us for a quotation.
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
and make sure you have all your information at hand, including your policy number
on 0344 892 1384 and explain exactly what happened
to help us understand what happened as quickly as we can
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