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A blog for insurance that is dedicated to publishing the work of our guests, not the views of the webmaster. So if your into insurance enough to blog about it why not submit your content.
A blog for insurance that is dedicated to publishing the work of our guests, not the views of the webmaster. So if your into insurance enough to blog about it why not submit your content.
on January 24th, 2012
No matter how skilled and experienced an electrician you are, there is always a risk of an accident or something going wrong. Tradesman insurance is there to protect you and your business.
Under the general umbrella of tradesman insurance there are various types of cover:
The first and probably the minimum policy any electrician needs is Tradesman Liability Insurance (aka public liability insurance). Generally available with indemnity limits of £1, £2 or £5 million this is your protection should a member of the public, including your customers be injured and you are held at fault. As an electrician you might work in a wide variety of places from construction sites to customer’s homes, from factories to schools. Public liability insurance also provides cover for claims made against you in the event of there being damage to property caused by your work.
If you are self-employed there are various individual insurances that you can take out as personal cover but if you have any staff working for you, there is a legal requirement that you have Employers Liability Insurance.
You are an employer if you have anyone working for you under the following conditions:
• Under a contract of service
• Under a contract of apprenticeship
• Self employed but working under a contract of service
• Operating or driving plant you’ve hired in
• On work experience
• Voluntarily
Employers liability insurance usually provides cover for personal injury of your staff and contractors of up to £10 million.
There are additional cover options alongside tradesman liability insurance that an electrician might consider. Other insurances include
• Tradesman tools insurance
• Plant and equipment cover
• Personal accident cover
• Business interruption insurance
• Legal expenses cover.
These are all optional and will depend on the value of and the value you place on your business. They obviously have a cost attached to them but like all insurances, you have to weigh up the risk of not having the insurance protection.
Use the internet to find a reputable company who can provide the complete insurance package – there may be a discount for an insurance bundle.
Tradesman liability insurance is available from Special Risks
on January 3rd, 2012
You may be surprised to know that having jet ski insurance is, just like when on the road, compulsory by law. Hundreds of accidents occur with jet skis on a regular basis, so it’s always a good idea to make sure that you have adequate and comprehensive cover before setting off on your thrill ride.
Insuring your jet ski has many benefits to both you and others around you. You will be covered in the event of an accident, both with the cost of and repairs to the machinery as well as covering any bodily harm that may occur to passengers. Medical care can carry a very hefty price tag, so making sure that you are insured can bring you both peace of mind as well as reducing a dent in your bank balance.
Damage can occur to a jet ski both when in motion and when stationary, which can be very expensive to repair without the assistance of an insurance company designed for jet skis. Protection against fire and theft should be the minimum that you have, but other damages including accidents and criminal vandalism are often included in policies as add-ons. Make sure that you are conscious of add-on extras, as they can boost the price you pay for insurance substantially.
You will need to do adequate research into insurance companies for jet skis, as it is a very specialist field. You may find insurance brokers that can provide you with quotes for insurance deals from a range of companies, which will probably be the easiest way to find the cheapest price available. Jet ski insurance can be expensive due to its nature, meaning that finding the right deal can be vital for making your hobby economical. There are deals out there for jet skis, so with the aid of the internet you should be able to find a reasonably priced deal. If in doubt about spending extra money on insurance, weigh up the potential damages that you could inflict both to the ski itself as well as passengers; it’s going to be a lot more costly if you have to pay for repairs and legal fees for sure!
Boat Quote are specialist brokers for marine and water craft. Visit for quotes for jet ski insurance.
on January 2nd, 2012
Private hire vehicles are vehicles that differ from licensed taxis and buses/coaches, but rather are hired for carrying less than nine passengers at a time. Private hire insurance is designed for vehicles used to be privately hired for payment, differing from public hire insurance which is used to insure public hire taxis.
The main way that private hire vehicles are different to public hire vehicles is the fact that you must pre-book a private hire vehicle for the journey; you cannot simply hail the vehicle from the street, which you may do with a public hire vehicle. It is against the law for private hire taxis to ply for business in this way, as well as advertising or in any way implying that the vehicle is for hire. In London, for example, only the iconic Hackney Carriages (Black cabs) can display that they are for hire on the street.
private hire insurance is subject to the operator of the driving company having an operator’s license, which they display in their workplace for customers to see. All companies that offer insurance to such businesses will require the license to be shown before validating the insurance. In addition, all vehicles that are deployed by the company must make their vehicle license visible to customers.
All drivers of private hire vehicles must wear a driver’s license when in the car, which indicates to passengers that safeguards have been made to ensure the driver is fit for purpose. Checks include an extensive CRB and medical check for drivers. Similar to the operator’s license, if a driver does not display their driver’s license they are in breach of the law and can be prosecuted.
Vehicles used as transport for events such as weddings and funerals do not have to adhere to the regulations for private hire vehicles, but do require their own insurance.
Any private hire vehicle that does not have suitable insurance can be prosecuted under the Road Traffic Act of 1988. Possible penalties can include points on a driver’s licence, fines and possible driving disqualification. Suitable insurance cover is legally compulsory for all vehicles used as private hire transport.
Buy private hire insurance from reputable and specialist providers like Taxi Protection