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LIABILITY INSURANCE
Whether you need employer's or public liability.
Premierline Direct can provide cover to suit your needs.
Get a quote for our contractors liability policy or click here to find the right product for
your business.
- Customers save an average of £230 when they switch to us*.
- Public liability - £1m cover as standard with optional up to £5m.
- Policies underwritten by Allianz Insurance plc, one of the UK's largest insurers.
- Employers' liability - £10m cover available as an option.
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Looking for liability insurance? We take care of business
Employers' and public liability insurance cover is included as standard within our liability insurance policy**
Getting you a better deal - find out how Premierline Direct can offer great savings on your business insurance
Our polices are primarily underwritten by Allianz Insurance plc, on of the UK's largest insurers
We give our customers far more than just liability insurance
All our customers have access to an exclusive online risk-management website - giving you a whole range of tools to help you plan and manage your business
Because great service counts, you'll find Premierline Direct easy to deal with whether online, over the phone or even face to face, whatever suits you best
And if you need to make a claim, we're right there for you 24/7, ready to get your business back on the road. Fast!
And Premierline Direct insurance customers get exclusive access to 100 discounts to save on running costs
Standard cover
Our Contractors insurance policy provides the following cover as standard:
Public Liability
- Public Liability - covers your legal liability in connection with your business to members of the public for accidental injury or accidental damage to property.
- Cover is provided for a limit of £1 million for any one occurrence and may be increased to £2 million or £5 million for most trades. The limit for pollution or contamination is £1 million regardless of the previous option selected. Your quotation/policy schedule will record which option you have selected.
- Cover includes:
- Your bona fide sub-contractors
- Principal/Employer Extension
- Health & Safety at Work Legal Defence Costs
- Contingent Motor Liability
- Court Attendance Compensation
- Cover may be extended to apply in respect of up to 3 temporary employees.
The following cover is mandatory where you have employee(s):
Employer's Liability
- Employer's Liability - covers your legal liability in connection with your business to your employees.
- Cover is provided for a limit of £10 million for any one occurrence.
- Cover includes:
- Principal/Employer Extension
- Health & Safety at Work Legal Defence Costs
- Court Attendance Compensation
- Cover may be extended to apply in respect of up to 3 temporary employees
The following covers are optional at extra cost:
Tools
This cover is not applicable if the Contract Works option is selected.
- Covers loss or damage to hand tools or hand held portable power tools and parts and other business equipment.
- Limits of £1,000, £1,500 or £2,000 in any one period of insurance per person are available. There is a limit for any one Tool of £300.
Contract Works
Covers loss or damage as follows dependent on option selected:
| Cover - any one loss | Selection A | Selection B |
|---|---|---|
| Maximum contract price any one loss | £100,000 | £250,000 |
| Own plant and tools sum insured | £10,000 | £20,000 |
| Temporary buildings sum insured | £2,500 | £5,000 |
| Plant and temporary buildings on hire sum insured | £50,000 | £50,000 |
| Employees tools & personal effects sum insured | £1,500 | £2,000 |
| Single article limit | £300 | £300 |
Personal Accident
- Covers you or your partners or working directors aged between 16 and 65 against accidents occurring at work, which result in total disablement.
- Temporary total disablement. £200 weekly benefit - up to a maximum of 104 weeks.
- Permanent total disablement £5,000 capital sum.
Related products
Exclusions & limitations
These are some of the Exclusions that apply to the policy. There are also further provisions and general conditions and exclusions. Details of these can be found in the policy document. Other additional terms and conditions may be applied in certain cases.
Section Exclusions
Public Liability
- Injury to any employee. See Policy document, Section 1 Exclusion 1.
- Loss or damage to property in your charge or control, goods supplied or installed or cost of rectifying faulty work. See Policy document, Section 1 Exclusion 7 & 8.
- Loss or damage due to pollution or contamination unless caused by a sudden and unintended incident. See Policy document, Section 1 Exclusion 4.
- Precautions need to be taken when using heat or carrying out excavation work. See Policy document, Section 1 Conditions 1 & 2.
- Injury caused directly or indirectly by asbestos. See Policy document, Section 1 Exclusion 13.
- Temporary employees unless shown on the Schedule. See Policy document, Section 1 Exclusion 12.
Employer's Liability
- Temporary employees unless shown on the Schedule. See Policy document, Section 2 Exclusion 3.
- The £10 million limit is reduced to £5 million in respect of acts of terrorism. See Policy document, Section 2 Limit of Indemnity b.
Tools
- Theft or theft damage of tools by you or any other partner, director or anyone employed by you. See Policy document, Section 3 Exclusion 3a.
- Minimum security requirements apply See Policy document, Section 3 Exclusions 3b, c & d.
- Loss due to unexplained disappearance or inventory shortage. See Policy document, Section 3 Exclusion 7.
- Any consequential loss. See Policy document, Section 3 Exclusion 2.
Contract Works
- Property where you are relieved of responsibility under contract conditions. See Policy document, Section 4 Exclusion 1e.
- Computer equipment in excess of £2,500. See Policy document, Section 4 Exclusion 1k.
- Caused by pollution or contamination. See Policy document, Section 4 Exclusion 4d.
- Theft or theft damage of tools by you or any other partner, director or anyone employed by you. See Policy document, Section 4 Exclusion 3a.
- Minimum security requirements apply. See Policy document, Section 4 Exclusion 3b, c & d.
Personal Accident
- Cover only available for those members between the ages of 16 and 65. See Policy Document Section 5 Definition of Member.
Policy Exclusions
Work involving specified hazardous locations or activities is excluded - see Policy Exclusion 6.
Excesses:
Excesses apply to certain types of claim.
Commercial legal expenses
Commercial legal expenses is an optional cover underwritten by DAS Legal Expenses Insurance Company Limited, designed to cover your legal expenses in certain circumstances. Cover applies under the following 6 headings:
- Employment disputes and compensation awards
- Legal defence
- Contract Disputes
- Property protection and bodily injury
- Tax investigation and VAT disputes
- Statutory Licence Protection
Cover limit £100,000 any one claim; maximum limit of £1m in any one period of insurance for Employment Compensation Awards.
Significant Exclusions or Limitations for Commercial Legal Expenses:
Employment disputes and compensation awards
- Disputes where the cause of action arises within the first 90 days of the cover provided. See Exclusion 1 to Insured Incident 1 (A) of Section 6.
- Disputes with an employee who was subject to a written or oral warning (formal or informal) within 180 days immediately preceding the inception date of the cover provided. See Exclusion 2 to Insured Incident 1 (A) of Section 6.
- Redundancy or alleged redundancy or unfair selection for redundancy arising within the first 180 days of the cover provided. See Exclusion 3 to Insured Incident 1 (A) of Section 6.
Legal defence
- Prosecutions for motoring offences. See Exclusion to Insured Incident 2 of Section 6.
Contract disputes
- Letting and tenancy agreements are excluded. See Exclusion 2 b) to Insured Incident 3 of section 6.
- Disputes from a loan, mortgage, pension or investment are excluded. See Exclusion 2 c) to Insured Incident 3 of section 6.
- Contracts involving a motor vehicle are excluded. See Exclusion 2 d) to Insured Incident 3 of section 6.
Property protection and bodily injury
- Contracts entered into by you. See Exclusion 1 to Insured Incident 4 (a) of Section 6.
- Goods in transit lent or hired out by you. See Exclusion 2 to Insured Incident 4 (a) of Section 6.
- Goods not at your premises unless you are using them. See Exclusion 3 to Insured Incident 4 (a) of Section 6.
- Damage to or caused by motor vehicles unless you are a motor trader. See Exclusion 6 to Insured Incident 4 (a) of Section 6.
- Injury caused by a motor vehicle. See Exclusion 6 to Insured Incident 4 (a) of Section 6.
Statutory Licence Protection
- Any licence appeal relating to the ownership, driving or use of a motor vehicle. See Exclusion 2 to Insured Incident 6 of Section 6.