02nd June 2010
Simplify Your Work With An Employer Public Liability Insurance
If it is impossible to run your business singlehandedly, obviously you need to hire a certain number of employees. It simplifies your work and brings diversity of thoughts to your organisation, but at the same time you can enjoy the benefits of being an employer only if your business is properly protected.
If it is impossible to run your
business singlehandedly, obviously you need to hire a certain number of
employees. It simplifies your work and brings diversity of thoughts to your
organisation, but at the same time you can enjoy the benefits of being an employer
only if your business is properly protected. No, of course we are not trying to
prov that an employee is like a vulture who is going to drink all the juices
out of your company, but in case of an accident on your place of business you
will have to pay huge amounts. If your employee is injured because of an
accident, speaking in terms of law it is your fault: you did not provide a safe
working place for a person you hire. Without employer
public liability insurance you will have to pay for calling an ambulance,
hspitalisation, and perhaps even operations. Moreover, you will also have to
pay all the legal fees in case you are obliged to visit a court. If your
business is not very big, these circumstances are more than just unpleasant for
you: they can make you a bankrupt. Do not underestimate the expenses in case of
an accident: they can injure your business and it will take a considerable
period of time to recover. To protect yourself from such situation, and also to
make sure your injured employee's medical bills can be payed, it is advisable
to get employer public liability insurance.
Any business that involves a face to
face contact with employees should be protected by this insurance. Even if your
office is the safest place ever, you should not neglect the chances of an
accident. They happen not only in manufacturing companies and construction
grounds, but also in bookkeepers' offices and translation bureaus. A person may
slip on a wet floor or fall from a stair case. Somebody might get injured by a bookshelf
which wasn't fixed properly or by an unstable exhibition stand. Of course it is
not possible to predict the unpredictable, but at least it is possible to
prevent the unpleasant consequences of this unpredictable. Contact your
consultant and find out the details of getting employer
public liability insurance in your place.
Usually you have to get ready to go
through a list of questions and provide the necessary information in order to
get it. The questions normally include the ones about your type of business,
the number of your employees, their working experience, the amount of coverage
you expect in case of an accident and so on. Online quote will help you to have
a closer look at these questions and to define the coverage you might require.
Check out a few companies: their terms
and prices will be different. Choose the one which suits you best, and try to
overcome the temptation of getting the cheapest employer
public liability insurance. It is not
necessarily the best. It might be challenging to get this insurance if your
business involves some risky activities, but it is still possible – just keep
This type of insurance will
come very much in handy, even if you consider it an unnecessary expense.
Obviously it is better to spend a few dozens pounds in advance than to pay
massive bills afterwards.