GENERAL INSURANCE INTERMEDIARY
Are you covered against Third Party claims? Are you protected if an Employee injures themselves while at work? Do you have full insurance cover for your shop/ office?
Altitude Insurance can provide you with comprehensive coverage for the following risks at a very competitive premium: -
- Tradesman (Public Liability) Insurance for over 300 Trades – can be tailored to include Employers Liability Insurance
- Cover for over 100+ types of Shops
- Residential Property Insurance
- Commercial Property Insurance
Public and Employers Liability are types of Insurance that almost all companies (sole trader/ Ltd/ PLC) should consider if they have any contact with a Third Party (such as a member of the public) and/ or have Employees as it can offer valuable protection to you/ your business. For example, if you're a cleaner and someone slips on a wet floor you are cleaning and injures themselves, that person could be well within their rights to make a claim against you.
Both Public and Employers Liability Insurances aren't a legal requirement for businesses (Employers Liability is a legal requirement however in the U.K.), but it is a necessary precaution; for example if your business is responsible for injuring a Third Party (or for the damage or destruction of their property) or an Employee is injured in the course of their employment, the Insurance could cover any related costs. If you don't have cover, you could find yourself paying out tens of thousands of pounds in compensation, which could be crippling to a business.
Public Liability Insurance is designed to cover compensation to the Third Party, which could include loss of earnings, future loss of earnings and the cost of repairing damage, in addition it can also cover any damages awarded to the claimant, plus legal costs.
Employers Liability Insurance is designed to cover compensation to an Employee, which could include loss of earnings, future loss of earnings and the cost of repairing damage, in addition it can also cover any damages awarded to the claimant, plus legal costs.
Our policies have been tailor made to offer you a flexible and cost effective cover combined with excellent year-round service. The Tradesman policy is designed to suit over 300 different types of business and the cover can include: -
- Up to 8 Employees and 6 temporary Labour only Sub Contractors
- Bona Fide Subcontractors up to 25.00% of turnover
- EUR 25,000 legal expenses
- Up to EUR 6,500,000 Pubic Liability (Legal Liability to third parties for bodily injury or loss or damage to property occurring during the period of insurance)
- Employers Liability of EUR 13,000,000 (Legal Liability for bodily injury to employees occurring during the period of insurance arising out of and in the course of their employment)
- Portable tools up to EUR 20,000
- Contract Works up to EUR 500,000
Contact us today for a quotation for your business!