hello all first post on here. working as a ds for over a year now i have a few questions that no one has been able to answer me.
what is the firm i work for insured against/for?
and how much is their security liability insurance premium?
the company is quite a small one with no more than twenty doors with small capacity's and all are london based if any of this helps?
many thanks in advance.
If you are concerned about whether the company you work for has any professional indemnity insurance or not and the extent of that cover, why don't you ask them - It is a perfectly reasonable question. Clearly you as an individual do not want to be on the wrong end of a civil action for damages if there is no cover in existence.
Last edited by mally; 10-04-2009 at 08:46.
The company you work for should have by law Public and Employers Liability Insurances in place,
Employers Liability is usually £10,000,000
Public Liability usually £2,000,000
The premium they pay depends on there annual turnover and number of employees and remember you have to be on there PAYE Scheme to be covered by the companies insurance, if you are self employed you need your own unless they have a seperate policy to cover sub contract work because that is what you would be in the insurance companies eyes if there was a claim.
If you are self employed you need to see the policies, A final note Insurance companies will look for any excuse not to pay out in a claim, dont believe a word a insurance company tells you, best of luck.
i have been working doors for 16yrs and other day my work mate got injured doing a good job and was not looked after by the company we worked for so we walked out , i would like to no the answer to that myself
Are you and your mate on the companies PAYE Scheme, if you are the company have not got a leg to stand on if they wont play ball go and see a solicitor most offer a free 30min consultation.
If your mate was following all company procedures and got injured carrying out is duties the company must pay SSP as a minimum, if he suffered broken bones he could be entitled to some compensation.
Best of luck mate.