What types of cover are compulsory

It is advisable, to consider all elements of insurance to protect you from a variety of risks within your market. You are, however, compelled by current legislation to have Employers' Liability Insurance. Our Employers Liability Policy includes automatic cover should you need to send a substitute to a customers premises should you not be able to attend for instance if you are on holiday or suffering from ill health.

In addition, often under contract, you are required to carry Professional Indemnity Insurance cover. From time to time you may also be required to have Public Liability cover.

Professional Indemnity Insurance: Now must for all

PI Insurance provides essential financial protection for all wide range of professional advisers.

In the event that a client suffers financial loss as a result of alleged neglect, error or omission, Professional Indemnity Insurance will meet the cost of defending claims and any damage payable.

Any person who gives advice, designs or offers a similar service in a professional capacity, is seen by clients as an expert. In these times of high consumer awareness, clients will not hesitate to pursue a claim if they feel that they have received sub-standard service. The need for Professional Indemnity Insurance has never been greater.

While some professional people see Professional Indemnity Insurance as an expensive and unnecessary overhead, we know from experience that any professional can produce substantial claims. Court awards have risen sharply and without insurance, the financial security of your business is threatened.