Public Liability : £5,000,000 Employers Liability : £10,000,000
Why public liability insurance is essential …
What is public liability insurance?
This type of insurance would cover a business if a customer or member of the public was to suffer a loss or injury as a result of its business activities and if that person made a claim for compensation. The insurance would cover the compensation payment plus any legal expenses.
Why is public liability cover a good thing for customers?
Even when a business does everything right there is always the chance of an accident happening. With the right insurance cover, a business can operate knowing that should the worst happen, their customers’ property could be repaired, their possessions replaced and their medical costs paid for.
What is covered in a public liability claim?
Policies are usually tailored to the individual business however as a guide, the insurance covers a business’s legal liability to pay damages to members of the public for death and injury or damage to property or possessions, which has resulted from the business’s activities.
For example, if you hired a roofing company to re-tile your roof but they didn’t use adequate weather protection, resulting in severe water damage, you could make a claim against them for compensation to pay for repairing the damage. Public Liability Insurance ensures that the company can meet the cost of the claim, along with any legal expenses.
Make sure the business you hire has public liability insurance
Any business that has visitors to its premises or involves work on client sites needs public liability insurance. You should ask to see a company’s insurance schedule and documentation before taking them on.
HEALTH AND SAFETY POLICY
To ensure, so far as is reasonable practicable, the health and safety welfare of our staff while they are at work and of others who may be affected by their undertakings, and to comply with all the relevant legislation.
To ensure the principles of health and safety are clearly understood throughout Blue Sky Outdoor Cleaning Ltd, we will be committed to:
Ensuring that there are arrangements put in place for the effective planning, development and review of this health and safety policy. Ensuring that appropriate systems are developed and maintained for the effective communication of health and safety matters throughout the company; Protecting the safety and health of all our staff within the company by preventing work-related injuries, ill health, diseases and incidents; Complying with relevant health and safety laws and regulations, voluntary programmes, collective agreements on health and safety and other requirements to which the company subscribes; Ensuring that staff and their representatives are consulted and encouraged to participate actively in all elements of the health and safety management system; Continually improving the performance of health and safety management system; Provide the necessary information, instruction and training to staff and others, including temporary staff to ensure their competence with respect to health and safety; Devote the necessary resources in the form of finance, equipment, personal and time to ensure the health and safety of staff. Expert help will be sought where necessary skills are not available within the company.; Liaise and work with all necessary persons to ensure health and safety, and will also ensure that adequate arrangements are also in place for ensuring the health and safety of visitors.
The ultimate responsibility for Health and Safety within Blue Sky Outdoor Cleaning Ltd lies with the director.
The director will annually review the Health and Safety policy for continued suitability.
The director will review, sign and date the health and safety statement annually, and bring it to the attention of all staff.
We recognise that safety is the responsibility of everyone and is not just a function of management.
Staff will have specific duties and responsibilities to comply with the letter and spirit of the policy.
Staff have specific responsibilities to take reasonable care of themselves and others that could be affected by their activities and to co-operate to achieve the standards required.
The Company will in consultation with our staff and their representatives set out in writing a commitment to ensuring that our health and safety policy will be;
Specific to the company and appropriate to the nature of our activities; Concise, clearly written, dated and made effective by the signature of the director; Communicated and readily accessible to all persons at their place of work; Reviewed for continued suitability; and Made available to relevant external interested parties, as appropriate
Name: Diana Williams