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We offer self employed videographers liability insurance from our range of leading insurance providers offering highly competitive quotes for;  Public Liability Insurance for videographers. Employers Liability Insurance Business Equipment and Tools Insurance Why does a self employed videographer require liability insurance?  Anyone in business faces the daily risk of legal action being taken against them in respect of their legal liability for personal injury or property damage arising during the course of the business and the self employed videographer is no exception. Public liability insurance protects you against claims made against you for your legal liability for personal injury or property damage sustained by third parties arising in the course of the business. Employers liability protects you against claims from employees for your legal liability for any death, disease or injury sustained during the course of their employment and it is a legal requirement for the majority of employers in the United Kingdom.  As specialist liability insurance brokers, we are ideally placed to provide you with both excellent business insurance products and highly competitive premiums to help you meet your requirements for videographers self employed liability insurance offering you fully detailed quotations from specialist insurers with all the information on premiums, policy wordings and terms and conditions  you require to enable you to make an informed choice on your self employed business insurance requirements.   Our liability insurance team is on hand to assist you with any queries you may have on your self employed videographers liability insurance and will be happy to assist you in obtaining our best possible terms for you.   Apply on-line or call us today to discuss your requirements.Perhaps the most commonly raised question abut builders insurance relates to to the cover provided by builders liability policies. Builders liability insurance covers the usual range of liability risks, but targeted at the building trades.

The core covers are Employers Liability and Public Liability, but some policies will extend to cover other important risks such as Contract Works, Employees Tools, Own Plant and Hired in Plant.

Employers Liability

Employers Liability is a statutory requirement for any organisation that has employees, unless the organisation is one of the few that has an exemption.  The cover provided is indemnity in respect the Employers’ legal liability for death injury or disease to employees arising in the course of the business. The indemnity includes defence costs incurred with the consent of the insurer. The legal minimum cover requirement is £5,000,000, but standard limit of indemnity offered by insurers is £10,000,000 each and every claim, costs inclusive. Some insurers limit cover to £5,000,000 for certain risks they would like to exclude but legally cannot e.g. asbestos claims and terrorism. Higher limits of indemnity are available, but this may require one or more excess of loss policies to supplement the limit(s) provided by the underlying policy(ies). There is normally no excess applicable. As this is a statutory insurance, a Certificate of Employers’ Liability Insurance is issued as evidence of cover.

Employers Liability insurance  is on ‘claims occurring’ basis, which means the policy that meets a claim is the policy in force when a claim occurs, irrespective of when the claim is made. If the claim is in respect of a disease where there is no specific  incident and the exposure to harm is gradual over a long period, insurers agree to share the claim if there have been a number of insurers during the period of exposure. The Insured may be asked to contribute to a disease a claim if the insurer is unknown during a period of the exposure.

Public Liability Insurance

Public Liability insurance is not a statutory requirement. The cover provided is indemnity in respect the Insured’s legal liability for third party bodily injury or damage to third party property arising in the course of the business. The indemnity includes defence costs incurred with the consent of the insurer, and this is usually in addition to the policy limit of indemnity. The standard limits of indemnity offered by insurers are £1,000,000, £2,000,000 and £5,000,000 each and every claim, but in the aggregate in any one period of insurance for Product Liability and Pollution/Contamination claims. Different and higher limits of indemnity are available, but this may require one or more excess of loss policies to supplement the limit(s) provided by the underlying policy(ies).

Contract Requirements

As this is not a statutory cover, insurers are free to apply any policy terms, conditions and exceptions they deem appropriate. Commonly insurers will exclude asbestos claims and terrorism, but there are specialist insurers that can provide these covers. Cover will not normally include contractual liability assumed by JCT 21.2.1 or its equivalent, but cover may be extended on request or a separate policy may be required. There is normally an excess applicable to third party property damage claims only, but some insurers do extend the scope of the excess to include bodily injury claims. As this is not statutory insurance, a formal certificate of insurance is not required, but some insurers will issue a certificate to ease the Insured’s evidencing of cover.

Builders Insurance Claims

The cover is normally on ‘claims occurring’ basis.  Some higher risk trades or extensions to cover may be on a ‘claims made’ basis, which means the policy that meets a claim is the policy in force when the claim is made irrespective of when the claim occurred after the policy retroactive date. The key difference between ‘claims occurring’ and ‘claims made’ covers is that under a ‘claims made’ policy there is no cover afforded for claims made after a policy is lapsed or cancelled even if the claim occurred when insurance was in force. Consideration should be given to acquiring ‘run off’ in the event of a ‘claims made’ insurance no longer being required.