Public & Employers' Liability

In an increasingly litigious environment, it is imperative that you protect yourself against the following legal liabilities:

• Public Liability - typically covers your legal liability to pay damages to members of the public for death, bodily injury or damage to their property caused by you or your business activities.  It can also cover legal fees, costs and expenses such as representation at any coroner’s inquest, fatal accident enquiry or other court hearing because of an accident.
• Products Liability - typically covers your legal liability for bodily injury to persons, or loss of or damage to property caused by defects in goods (including containers) sold, supplied, erected, installed, repaired, treated, manufactured, and/or tested by you.
• Employer's Liability - under the Employers Liability (Compulsory Insurance) Regulation Act 1969, and subsequent amendment, 1st October 2008 all employers must insure against their legal liability for injury, disease or death to employees sustained by them and arising from their employment. Typical cover will enable you to meet the cost of any such compensation claims made against you. You are legally required to be insured for at least £5 million but in practice, most policies offer £10 million as a minimum level of cover. The law also requires that you exhibit a certificate of employers’ liability insurance at each place of work or on your internal website. 

Insurance is normally purchased as part of a ‘combined’ or ‘package’ policy which includes a range of material damage, business interruption and liability covers.

It can occasionally be bought separately as a ‘liabilities’ policy.

If you need to discuss your Liability insurance requirements then please email enquiries@rmci.co.uk or contact us on 0870 7574 870.