Liability Insurance
Public Liability Insurance For Window Cleaners
Naturally, when you are carrying out your work, you do your best to care for the property you are at and the people you are working around.
However, on occasion, even with the greatest care, accidents can happen. It is for these instances that you want to feel reassured that you won’t be financially affected as a consequence.
Public Liability Insurance provides indemnity for legal liability in the case of:
- Accidental death and/or bodily injury to third parties; and/or
- Accidental loss or damage to third party property, arising out of the company’s business.
The limit of indemnity chosen applies to each and every occurrence, unlimited in the period in respect of public liability, but applying in the aggregate in respect of products or pollution.
Specialist Addition For Window Cleaners
Our cleaning-specific liability products extend to include “damage to property being worked upon”.
This extension (which is a standard exclusion on most public liability policies) gives you added peace of mind in case of any damage to the glass you are cleaning.
Employers Liability Insurance
Having Employers Liability Insurance is a basic requirement of law. It provides an indemnity against your legal liability to pay compensation for bodily injury, death, disease or nervous shock sustained by employees of the company arising in the course of employment.
Cover includes:
- Costs and expenses in defending an action against you, payable as part of your limit for this Section
- Compensation for court attendance at £250 per person, per day, or £500 for directors/partners
- Injuries to working partners or proprietors
- Contractual liability
- Indemnity to principal
- Health & Safety at Work etc. Act 1974 defence costs
- Data Protection Act 1998 compensation for distress to employees
- Unsatisfied court judgements
- Corporate Manslaughter defence costs £1m
- Injuries arising from war or terrorism, but limited to £5m and further sub-limited to £1m in hostile territories, being a territory designated by the Foreign & Commonwealth Office as one:
- a) to which personnel are ‘advised against all travel to’
- b) that personnel should leave having designated the territory ‘advised against all travel to’.
Cyber Liability Insurance For Window Cleaners
In today’s electronic world, Cyber-crime is a significant risk for any business. Whether your commercial business is big or small, the risks simply cannot be ignored.
Depending on the nature of your business will depend on the extent of the risk, but essentially all business owners need to take appropriate measures to protect their customer data, their electronic systems, including website, marketing platforms and email and their reputation.
Whilst there are security measures that can be utilised within your business to protect your hardware and software from incidents such as viruses, hacking and identity fraud, if you do experience a Cyber-attack, your business could also suffer financially.
E-risks insurance protects your business against losses arising from Cyber related crime and ensures you are able to cover costs such as compensation for customers if their data is breached.
