New Public Liability insurance

From 12th November we are insured with Markel Direct for the sum of £100.80.
Maximum liability is £5,000,000

Cover includes:-
• Court attendance expenses
• Legal defence costs in respect of criminal
proceedings brought under the Health &
Safety at Work Act or Consumer
Protection and Food Safety Act
• Indemnity to principals for whom you
are performing work
• Damage to hired or rented premises (but not
liability assumed under a tenancy
agreement)
• Liability arising under the Defective
Premises Act or Data ProtectionAct
• Personal liability arising from (nonmanual) visits outside the UK

3 Comments

  1. Green Fingers

    Brian, can you clarify the entry (Damage to hired or rented premises (but not
    liability assumed under a tenancy agreement)
    Not sure what it means.

    Reply
    1. yqnab (Post author)

      I will get back to you when I have spoken with the insurance company.

      Reply
  2. yqnab (Post author)

    From the company: In regards to the text below in bold, it essentially means that you are covered if there is any damage which occurs to any place which has been hired or rented, as long as you are liable for the place.

    If the liability for the place falls onto someone else, like a landlord for example, then that is not covered, as it would be the landlord’s responsibility.

    I hope that helps to make sense of it and understand it hopefully.

    Reply

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