Professional Indemnity
Salus Financial Solutions have worked very hard to source extremely favourable rates for Employers' Liability (EL), Public Liability (PL) and Professional Indemnity insurance (PI) for you, whilst providing easy online access to make this process as smooth and quick as possible.
We have worked very closely with a company called Dallas Kirkland (Professions) Ltd, developing ways to make life easier for contractors and the self-employed when it comes to your Commercial Insurance requirements.
We are proud to bring you this end result, as not only will this service provide you with a very competitive quote for your Public & Employers' Liability and Professional Indemnity Insurance, but also allow you to choose from a number of time periods, purchase online and print your documents, all in a matter of minutes.
Employers' Liability insurance ( EL )
This provides you as an employer with protection against the potential compensation claims of employees who are injured or made ill at work through the fault of you, the employer.
The legal requirement is a minimum of £5m worth of cover.
NB: If you are self-employed and are the only employee in a company and you own more than 50% of the issued share capital of that company, changes in legislation have removed the compulsion for this cover. However, at present, most recruitment agencies and workplaces require you to purchase this protection as part of your contract.
As claims can be made many years after an injury is caused, it is a legal requirement that you keep copies of your Employers' Liability Certificates for at least 40 years.
Public Liability insurance ( PL )
Protection for you in your business against claims of causing accidental bodily injury to third persons, damage to third party property caused by goods supplied or installed by you in the course of your business, and the legal costs associated with defending claims against your business.
NB: Public Liability does not provide cover for damages awarded as a result of your negligence. To insure yourself and your business against such a risk, please see the Professional Indemnity section below.
Professional Indemnity insurance ( PI )
When giving professional advice, a dissatisfied customer may bring a negligence claim against you and your business. Professional Indemnity insurance protects you against claims of so-called professional misconduct.
It is worth remembering that this insurance will cover you even if the allegations made against you are false.
In today's world, any provider of professional services, particularly those with limited company status, can be exposed to claims alleging negligence.
NB: Professional Indemnity does not provide cover for third party damage or injury if they are caused as a result of your negligence. Please refer to Public Liability for appropriate cover.
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- Two easy steps to quote
- Pay online and download policy document
- All plans come with short-term cover starting from 3 months
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Salus Financial Solutions is authorised and regulated by the Financial Services Authority (http://www.fsa.gov.uk/register/home.do). FSA Registration No: 536575
