Do I Need Employers Liability Insurance?

We receive many queries from sole traders and businesses as to whether they need employers liability insurance for their business, the simple answer is that if you employ people in the United Kingdom then you do require this cover. There are, however, some exceptions...

Should I Cancel a Claims Made Insurance Policy?

In trying to answer the question “Should I cancel a claims made insurance policy?”  it is vital that the policyholder understand what the claims made basis of settlement under a policy is and what the ongoing potential liabilities may be in respect of...

Do I need insurance for temporary workers?

The simple answer to this question is yes you do need insurance for temporary workers, whether or not you already have this cover will depend upon your current insurance arrangements and the type of policy you have in force. Whilst the answer is a straightforward one,...

What is Proximate Cause?

When a claim occurs under a general insurance policy the insurers will identity the proximate cause of the loss to ensure that the loss or damage has been caused by an insured peril but what is proximate cause and how does this affect the settlement of claims....

What is member to member liability insurance?

When arranging liability cover for a group or club member to member liability is a consideration but what is member to member liability insurance and is it automatically included in to group insurances? Public liability insurance for groups, societies, clubs and other...

What is Design and Construct Professional Indemnity Insurance?

Design and Construct professional indemnity insurance is a specific type of professional indemnity designed to protect the professional activities of all types businesses within the contracting industry. Do I need Design and Construct Professional Indemnity insurance?...
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