Whilst in many instances your business motor insurance policy will cover damage or injury to third parties whilst using the vehicle, there are many instances where your business will bring you into contact with the public outside the everyday use of the vehicle. For instance, whilst loading or unloading, making a delivery to premises and access by the public to your business premises.

In such circumstances, Public Liability cover will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities. For example

1. Bodily injury
2. Damage to material property
3. Trespass nuisance or obstruction
4. Personal and advertising injury offences committed

Your Novas Public Liability policy will protect you against the costs of compensation to be paid out as well as the legal expenses incurred during the claims process.

You will be covered under the following cases:

1. A member of the public suffers injury after tripping over a box at the kerbside whilst you are unloading
2. You cause damage to an office foyer carpet whilst delivering goods using a pallet truck

If you are unsure whether you are required to carry Employers’ Liability cover you should seek professional advice. Further information can be found at http://www.hse.gov.uk/pubns/hse40.pdf.

If you are an employer, you are legally obliged to have employers’ liability insurance. You can be fined up to £2,500 for every day you do not have appropriate insurance.

Employers’ liability insurance covers the cost of compensation and any associated legal fees.

Some of the larger networks such as DHL, TNT and Parcelforce may require you to have this cover in place before you can commence work. You should seek advice on whether you need this cover with your employer.

Under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969 you are required to have a minimum indemnity limit of £5million, however at Novas Insurance we understand how important your employees are and we cover you for up to £10million as standard.