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Employers & Public/Products Liability

MIC offer essential insurance coverage for workplace obligations, including Employer Liability Insurance for your employees and Public Liability Insurance for visitors to your premises. Our Surgery Insurance policy includes £10 million Employers Liability and £5 million Public & Products Liability as standard, with the option to increase Public & Products Liability if needed. Alternatively, you can opt for a separate policy with the same coverage for added convenience. If higher limits are required for your Public/Products Liability insurance, we provide excess layer policies that supplement your primary coverage, allowing total limits up to £25 million to meet regulatory standards such as the new schedule 9 requirements in PCT contracts.

A regulatory requirement if you employ people within the workplace is to hold Employers Liability insurance, and if you have people entering your premises in connection with your work then you need to cover this as well with Public Liability Insurance.

We can offer this type of insurance either within our Surgery Insurance policy or seperately. The Surgery Insurance scheme can provide £10 million Employers liability and £5 million Public & Products Liability as standard, with the option of increasing the Public & Products Liability if required.

The seperate policy can provide the same coverage as that describe above, but within its own policy if this is more convenient to you.

If you require higher limits for your Public/Products Liability insurance this is not a problem, as we can provide what is known as an excess layer policy that sits behind your primary policy with us. This excess layer facility can increase your total limit up to £25 million for Public/Products Liability, a common figure requested from clients to be in line with the new schedule 9 requirements in PCT contracts.

If you would like to submit an enquiry relating to standalone or excess liability insurance then please click the ‘Request Quote’ link above or you can contact us directly.

The cost of Employers’ Liability Insurance can vary significantly based on several factors. Here’s a general overview:

  1. Size and Type of Business: Larger businesses with more employees or higher-risk industries (like construction or manufacturing) will generally face higher premiums. The nature of the business impacts the likelihood of claims.
  2. Location: Insurance costs can vary by region due to differences in local regulations, legal environments, and risk levels.
  3. Number of Employees: More employees typically mean higher premiums as there is a greater risk of workplace incidents.
  4. Claims History: Businesses with a history of frequent or severe claims may face higher premiums due to perceived increased risk.
  5. Industry Risk Level: Certain industries are considered higher risk than others, affecting the insurance premium. For example, businesses in the healthcare sector often have higher premiums compared to office-based businesses.
  6. Coverage Limits: Higher coverage limits generally result in higher premiums. Employers can choose different levels of coverage depending on their needs.
  7. Insurance Provider: Different insurance companies offer varying rates and coverage options.

Key Considerations

  • Legal Requirements: In many countries, including the UK, Employers’ Liability Insurance is a legal requirement for most businesses that employ staff. In the UK, businesses must have at least £5 million of coverage, and failure to have it can result in significant fines.

For the most accurate and tailored quote, businesses should contact MIC who can assess their specific needs and provide a detailed estimate.

Employers’ Liability Insurance is a type of insurance that provides financial protection for employers in the event that an employee makes a claim for injury or illness sustained while working. This coverage is essential for businesses to protect themselves against the financial risks associated with workplace accidents and illnesses.

Employers’ Liability Insurance provides coverage for businesses in the event that an employee makes a claim for injury or illness sustained as a result of their work. Here’s a detailed breakdown of what this insurance typically covers:

1. Employee Injuries

  • Accidents: Coverage for physical injuries sustained by employees due to workplace accidents, such as slips, trips, falls, machinery accidents, or accidents involving tools and equipment.
  • Injuries on Business Premises: Injuries occurring while employees are on the business premises, including in areas like hospitals, offices, or pharmacies.

2. Occupational Illnesses

  • Long-Term Health Issues: Coverage for illnesses that develop over time due to exposure to harmful substances or unsafe working conditions, such as respiratory problems from inhaling fumes or skin conditions from handling chemicals.
  • Work-Related Diseases: Illnesses that are directly attributable to the employee’s work environment, such as diseases or repetitive strain injuries.

3. Legal Costs

  • Defence Costs: Coverage for legal fees associated with defending against employee claims, including costs related to court cases, legal representation, and settlements.
  • Claims Management: Costs involved in managing and handling claims, including investigations and legal proceedings.

4. Compensation Payments

  • Settlements: Payments for damages awarded to employees who win their claims, which may include compensation for pain and suffering, loss of earnings, and future care costs.
  • Medical Expenses: Coverage for medical costs that are a direct result of the workplace injury or illness, if required as part of the claim settlement.

5. Claims by Former Employees

  • Historical Claims: Coverage for claims made by former employees who allege that they sustained injuries or illnesses while working for the business.

6. Other Potential Coverage

  • Contractor Claims: In some cases, Employers’ Liability Insurance may cover claims made by part-time or temporary workers if they are deemed to be under the business’s responsibility.
  • Psychological Injuries: Coverage may extend to psychological injuries or stress-related claims if they are proven to be work-related.

Exclusions to Note:

  • Deliberate Acts: Claims arising from deliberate or fraudulent actions by the employer.
  • Outside Work Scope: Injuries or illnesses that occur outside the scope of employment or are not related to work activities.
  • Personal Liability: Claims related to personal conduct not associated with work duties, such as harassment or discrimination.

In summary, Employers’ Liability Insurance is designed to protect businesses from the financial impact of workplace-related claims by employees. It covers a range of scenarios involving both physical injuries and illnesses, as well as legal and compensation costs, ensuring that businesses are financially safeguarded against the risks associated with employing staff.

Public and Products Liability Insurance are two distinct but often complementary types of insurance that provide protection against various liability risks faced by businesses. Here’s a detailed explanation of each:

Public Liability Insurance

Public Liability Insurance covers businesses against claims for injury or property damage made by third parties (e.g., customers, clients, or members of the public) due to the business’s operations or activities. This type of insurance is essential for managing risks related to interactions with the general public.

Products Liability Insurance

Products Liability Insurance provides protection against claims arising from injuries or damage caused by products that a business manufactures, sells, or supplies. This insurance is crucial for businesses involved in the production or distribution of goods.

Public and Products Liability Insurance are two types of coverage that protect businesses from different aspects of liability risks. Here’s a breakdown of what each type covers:

Public Liability Insurance

Public Liability Insurance provides coverage for claims made by third parties (e.g., customers, visitors, or the general public) who suffer injury or property damage as a result of the business’s activities. Here’s what it typically covers:

  1. Injuries to Third Parties:
    • Accidents: Coverage for injuries sustained by third parties while on the business premises or as a result of the business’s operations. This includes accidents like slips, trips, and falls.
  2. Property Damage:
    • Damage to Third-Party Property: Coverage for damage caused by the business’s activities to the property of others, such as accidentally damaging a customer’s car.
  3. Legal Costs:
    • Defence Costs: Coverage for legal expenses related to defending against public liability claims, including legal fees, court costs, and settlements.
    • Compensation Payments: Payments awarded to claimants if the business is found liable, including compensation for medical expenses, lost income, and pain and suffering.
  4. Additional Coverage:
    • Negligence Claims: Claims resulting from alleged negligence or failure to take reasonable care in providing services or conducting business activities.

Products Liability Insurance

Products Liability Insurance provides coverage for claims arising from injuries or damage caused by products sold or supplied by the business. It is essential for businesses involved in manufacturing, selling, or distributing products. Here’s what it typically covers:

  1. Injuries Caused by Products:
    • Consumer Injuries: Coverage for injuries sustained by consumers as a result of defects in products sold by the business, such as a faulty appliance causing injury or illness.
    • Product Defects: Claims arising from design flaws, manufacturing defects, or inadequate instructions or warnings.
  2. Property Damage Caused by Products:
    • Damage to Property: Coverage for damage caused to third-party property by defective products. For example, if a defective product causes damage to a customer’s home or business.
  3. Legal Costs:
    • Defence Costs: Coverage for legal expenses related to defending against product liability claims, including legal fees, court costs, and settlements.
    • Compensation Payments: Payments awarded to claimants for damages resulting from product defects, including medical expenses, repair costs, and other related expenses.
  4. Additional Coverage:
    • Product Recall Costs: Some policies may offer coverage for costs associated with recalling defective products from the market, although this is often subject to specific terms and conditions.

Common Exclusions for Both Types:

  • Intentional Acts: Claims arising from deliberate, malicious, or fraudulent actions.
  • Contractual Liabilities: Certain liabilities assumed under contracts or agreements may be excluded.
  • Professional Advice: Liability related to professional services or advice is generally not covered under public and product liability insurance; separate professional indemnity insurance is needed for this.

In summary, Public Liability Insurance protects businesses against claims made by third parties for injury or property damage resulting from the business’s activities, while Products Liability Insurance covers claims arising from injuries or damage caused by products sold or supplied by the business. Both types of insurance are crucial for managing different aspects of liability risks and ensuring financial protection against potential claims.

The cost of employer liability insurance in the UK varies depending on factors such as the size of the business, the number of employees, and the level of risk involved in the work.

The legal minimum coverage required by law is £5 million, though many insurers offer policies with £10 million as standard. Insurers will adjust premiums based on claims history, employee numbers, and the nature of the work environment.

The Employer’s Liability Insurance certificate should be kept in a location easily accessible to employees. By law, it must be:

  1. Displayed: The certificate should be either physically displayed in the workplace or provided digitally where it is easily accessible to employees.
  2. Retention: Employers must retain each certificate for at least 40 years, as claims can sometimes be made long after an employee has left the company.

Employers are no longer legally required to physically display the certificate as long as it can be accessed electronically, but they should ensure that staff know where to find it.

For a medical business, the amount of public liability insurance you need generally starts at £5 million and can go up to £10 million or more, depending on the size of your practice and the risks involved. Since medical businesses face higher risks due to patient interactions, it’s essential to have sufficient coverage to protect against claims from members of the public or patients who may suffer injury or property damage as a result of your services.

In some cases, contracts with NHS or private healthcare providers may also stipulate higher levels of coverage, so it’s worth checking any specific requirements for your industry.

The amount of public liability insurance needed for a medical business typically ranges from £5 million to £10 million.

Public liability insurance in the UK is a type of insurance designed to protect businesses against claims made by members of the public for injury or property damage that occurs as a result of the business’s operations. This insurance is essential for businesses such as medical practitioners, that interact with the public, as it covers legal costs and compensation payments associated with such claims.

Public liability insurance is essential for a wide range of businesses, particularly those that interact with the public. Medical practices, clinics, and any professionals interacting with patients should also consider this insurance to cover potential claims related to patient interactions.

Accredited

Medical Insurance Consultants Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 309026.

Personal

We are committed in providing a first class service to all our clients, not just when you take out a policy, but throughout the life of your policy. We make sure that you have the support and advice needed when it comes to claiming.

Professional

We have been operating for over 30 years specialising in the insurance needs of healthcare providers and professionals. Our aim is to continue to develop, innovate, improve and reduce the cost of insurance for all our clients and future clients.

Contact us today to see how much we can help you save

Let us provide you with a quote and you can see the benefits for yourself

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