Professional Liability Insurance Cover
When would you like the cover to start?
A - First Aid Practitioner:
includes First Aid at work, Good Samaritans Acts, First Aid at Events. The use of Defibrillation Equipment, Portable Oxygen/Gases and Drugs is permitted when properly and suitably qualified.
B - First Aid Practitioner including Training:
includes First Aid at work, Good Samaritans Acts, First Aid at Events plus Training and Instruction. The use of Defibrillation Equipment, Portable Oxygen/Gases and Drugs is permitted when properly and suitably qualified plus Training and Instruction.
C - First Aid Practitioner including Training plus Health & Safety Training, Consulting & Advice:
includes First Aid at work, Good Samaritans Acts, First Aid at Events plus Training and Instruction. The use of Defibrillation Equipment, Portable Oxygen/Gases and Drugs is permitted when properly and suitably qualified.
D - Health & Safety Training, Consulting and Advice only: Further details
are available on our website.
E - Corporate Training:
F - Security Training:
Please select your Policy Limit of Indemnity:
How many regular trainers will be covered under this policy, including yourself if applicable?
A regular trainer is someone who works in excess of 14 days per annum.
Details of the first regular trainer:
Details of the second regular trainer:
Details of the third regular trainer:
Details of the fourth regular trainer:
Details of the fifth regular trainer:
Details of the sixth regular trainer:
Personal Accident Cover
This cover is primarily designed to protect your income, this policy provides benefits for all the activities/occupations shown on your Professional Indemnity Certificate. In the event of disability following an accident it will provide benefit for Temporary Total Disablement commensurate with earnings.
Please note the cover is for Accident only and does not include sickness.
Claims made will be subject to terms and conditions and require supporting documentation.
Further details can be found in our Care-4 Personal Accident Insurance – Key Facts, which will be included with your quotation.
Summary of Cover
This insurance covers only those items which have an amount entered by them. Items not insured have the words ‘Not Covered’ by them.
Section One - Personal Accident
Insured event Sums insured:
1. Death £10,000
2. Loss of sight in one or both eyes £10,000
3. Loss of a limb £10,000
4. Permanent total disability £10,000
5. Temporary total disability – weekly benefit (for up to 52 weeks from the date of the accident) The first 7 days of any claim are not covered 65% of the insured person's average weekly wage up to a maximum of £500 per week
Extra benefit - Medical expenses: As shown in the policy wording
Accident accumulation limit: Not Applicable
Section Two - Illness: Not Covered
Please select your turnover range:
ERN and ELTO
ELTO – All Insurers on our panel have become members of the Employers Liability Tracing Office (ELTO). This is a new requirement from the Financial Conduct Authority (FCA) which requires Insurers to submit details of all new and renewed Employers Liability Insurance policies.
The decision to form the ELTO was undertaken as a commitment from the Insurance Industry to people who suffer illness or injury in the workplace and need help identifying their Employers Liability Insurers.
Before you arrange Employers Liability cover we will need your Employer Reference Number (ERN). This is the unique number for employees’ income tax and national insurance contributions which every company operating a PAYE scheme will have.
ERN – Your Company will have an Employers Reference Number (ERN). This is the Employer PAYE reference and should include additional references for any separate subsidiary companies that you administer.
For your assistance the ERN reference can be found on the following documents, P45 , P60, P11/D and most payslips, in the following formats:-
NNN/Aznnnnn – for references allocated after 2001
NNN/Annnnn – for references allocated prior to 2001.
The only exception where you may not have an ERN is if payments to all employees fall below the PAYE threshold.
Please provide details of your requirements:
Do you wish to add Legal Expenses Cover?
This insurance includes:
24/7 Legal Help line
Criminal Prosecutions – including allegations of sexual misconduct/abuse (providing you plead not guilty throughout the case)
Taxation – indemnifying accountancy costs in the event of an HMRC investigation
Property Disputes – concerning the occupancy of premises
A stress counselling helpline
Further details can be found in our Legal Expenses – Key Facts, which will be included with your quotation.
Sections of Cover:
A. Commercial Contract Disputes - Not Insured
B. Criminal Prosecution - Insured
C. Tax Protection - Insured
D. Property Disputes - Insured
E. Data Protection - Insured
F. Personal Injury - Insured
G. Fitness To Practise Representation - Not insured
Limits of Insurer’s Liability:
1. £100,000 Any One Claim (€100,000 Any One Claim if domiciled in the
Republic of Ireland)
2. £250,000 all Claims notified during the Period of Insurance (€250,000 all Claims notified during the Period of Insurance if domiciled in the Republic of Ireland)
Territorial Limits: The United Kingdom of Great Britain & Northern Ireland, The Republic of Ireland, the Channel Islands and the Isle of Man.
Excess: £ NIL Any One Claim
Increased Excess:Section C - Not Applicable,
All other Sections of Cover - £1,000 Any One Claim (€1,000 if domiciled in the Republic of Ireland)
Minimum Sum in Dispute: Section A - £250