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Independent Living Insurance Policy
Whats included in your new policy?
There are two levels of cover we offer, Basic and Full. To help you decide which level of cover you require, we have included details in the comparison table below. If you wish to benefit from the superior level of cover, which includes the important help you will need for employment matters, you must select Full cover.

BASIC COVER FULL COVER
Section 1
Employer's Liability Limit £10 million Limit £10 million
Indemnity to Principal
Public Liability
Section 2
Personal Accident tick
Personal Accident of Employee
Errors and Omissions by Employee
Additional Expenses
Infidelity of Employee
Court or Tribunal Costs
Indemnity to Others
Section 3
Court or Tribunal Legal Defence Fees
Court or Tribunal Awards and Compensation
24 Hour Employment Law, Health and Safety and Tax & Advice Line
Access to Web Service
PREMIUM

£77.00*

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£135.00*

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*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 & safety issues. The full cover policy now includes a 24 hour Employment Law, Health & Safety and Tax 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, most importantly, compensation.

 

It is up to you to decide which cover is suitable for your own needs. However if you only have limited experience as an employer, and do not have access to employment advice, then the Full cover policy gives you the added protection and additional service.

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

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