What is included on a high level rope access insurance policy?
Every business varies, but there are a number of covers commonly included for businesses who require high level rope access insurance cover.
Standard covers we can include:
- Public, Products, Employers liability
- Plant & Equipment Cover
- Motor Fleet / Commercial Vehicles
- Personal / Group Accident Cover
- Directors & Officers Cover
- Office Policy
Examples of claims that could be made under a High-Level Rope Access insurance policy
Public liability insurance
For example, if you are working at a client’s premises and cause accidental damage to their property, your public liability insurance will cover the compensation payments as well as any legal expenses up to an agreed limit.
Employers liability insurance
This is a legal requirement for any business who has employees working for it – even on a part time or casual basis. It would protect the business from costs, for example, if one of your employees sustains an injury from a fall, due to unmaintained equipment. Cover is usually up to £10,000,000 each and every claim but can be increased on request.
Plant and Equipment cover
Working as you do, it’s likely that you need to use specialist tools and equipment. If you have a cherry picker stolen, whether you own this, or it is hired in, a Plant & Equipment Insurance policy will pay for the replacement of the stolen machinery.
Group Personal Accident Insurance
Policy will provide specific monetary benefits for you to distribute as you wish in the event that someone is injured during their work with you.
Legal expenses cover
Legal bills soon mount up, even where a case against you is ultimately disproven. Should you find an ex-employee taking you to an employment tribunal claiming unfair dismissal, your legal expenses policy can be used to guide you through the process of defending yourself and also offer legal representation. The policies we provide can also include cover for contract disputes and debt recovery.
Directors and Officers Insurance
Many Limited Company Directors mistakenly assume that they are protected from personal liability and claims. Should you find yourself being personally sued whilst working on behalf of the company, your directors and officer’s liability insurance policy will pay the legal defence costs involved in defending any action made against you, and pay most compensation awards up to an agreed limit.