The cover options have been created so you can choose the cover that matches your requirements.
We cannot make recommendations on the suitability of any option for you, but we hope that the following information will help you decide.
All Options below automatically include Personal Accident cover of up to £25,000.
Personal Accident (PA) covers you for bodily injury or death caused by an accident.
PA Benefits – provides a tax-free lump sum (under current legislation) in the event of bodily injury or death caused by an accident.
See our Cover Guide for more information.
Professional Indemnity (PI) insurance covers the cost of defending a negligence lawsuit against you and any resulting damages you are legally liable to pay. When a company engages your services, you can routinely be required to have adequate PI insurance as a condition of the contract.
PI Benefits – cover is available for various Limits of Indemnity up to £1,000,000 any one claim and in total during the policy period.
See our Cover Guide for more information.
Public Liability (PL) Insurance (also known as third party liability) provides cover against injury to third parties and/or damage to third party property caused by you in the conduct of your business.
If you buy PL insurance from us, you will automatically be covered for Products Liability Insurance. This extension provides cover against injury to third parties and/or damage to third party property caused by any goods or products (or advice provided in connection with those goods or products) which are sold, supplied, repaired, altered, or treated by you in the course of your business.
PL Benefits – standard policy cover of up to £2,000,000 any one claim (and in total during the policy period for Products).
See our Cover Guide for more information.
Employers’ Liability (EL) insurance provides cover against injury to your employees which arises out of the your negligence and in the course of the employees employment with you.
However, if you are the only employee and you own more that 50% of the issued share capital of the business you are no longer required by law to have EL insurance.
EL Benefits – standard policy cover of up to £10,000,000 any one claim
See our Cover Guide for more information.