£228 for a complete insurance package of
Employers’ Liability, Public Liability, Professional Indemnity
and more............?
Professionals in our business sector have for years had difficulty finding insurance cover or have paid a high price for it when they could and many standard policies on offer were simply “not fit for purpose”. Now, at last, insurance specifically for grounds managers, groundsmen, grounds maintenance managers, greenkeepers and other professionals involved in grounds maintenance has been designed with your business in mind.
Compulsory insurance that employers must have against compensation costs for employees injured or made ill at work and legal fees. Employees can seek compensation even if the business goes into liquidation or receivership and the NHS can now also claim the costs of hospital treatment and ambulance costs! By law, employer’s EL cover must be for at least £5 million but GroundCover automatically provides £10 million. Although some businesses e.g. those that only employ close family members, do not need compulsory EL, the employer is nevertheless still liable.
| REMEMBER! | An employee isn’t just someone who you pay to work for you, even if you just ask someone passing by to hold your rake for you, you can be seen to be employing them and you can be fined up to £2,500 per day that you do not have appropriate insurance ! |
Public Liability insurance is a must to protect you against awards of damages arising out of personal injury to members of the public or damage to property caused by you or your business and it covers legal fees, costs and expenses as well as costs of hospital treatment (including ambulance costs) that the NHS may claim from you. GroundCover offers a choice of policy limits depending on your business needs (and your budget)
If you give advice in your business dealings, you need PI insurance which protects your business against compensation sought by a client and legal fees if they feel that you have made mistakes. GroundCover includes this cover as standard
Affordable, “All Risks” insurance cover in plain English without the hassle and ridiculous security requirements which you can’t comply with. See the one page specimen policy wording on the GroundCover website for proof !
The Insurance Product for Grounds Maintenance Professionals. Insured by Hiscox Insurance Company Limited and authorised and regulated by the Financial Services Authority.
For more information and an obligation free quotation click here.
