Independent Living Insurance Policy
Whats included in your new policy?
The table below provides a simple comparison between the two levels of cover:

BASIC COVER FULL COVER
Section 1
Employer's Liability Limit £20 million Limit £20 million
Indemnity to Principal
Public Liability
Section 2
Personal Accident tick
Personal Accident of Employee
Errors & Omissions by Employee
Additional Expenses
Infidelity of Employee
Employment Tribunal Costs
Indemnity to Others
Section 3
Employment Tribunal Legal Defence Fees
24 Hour Employment Law Advice Line
Employment Tribunal Awards and Compensation
Access to Web Service
PREMIUM £76.65* £134.40*

All premiums include IPT at the appropriate rate.


As an employer, you assume a wide range of legal responsibilities and liabilities and two areas of particular concern are employment law and health and safety issues.

The new enhanced policy now includes 24 hour employment law and Health and Safety Advice Line and on-line access to template employment stationery. In addition to this, cover is also provided for the cost of employment tribunal defence fees, awards and compensation.

Further details are provided in the downloadable pdf policy summary opposite. If you have any queries regarding the policy and its additional benefits and enhancements please call our team.


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