Qdos Freelancer Public and Employers' Liability Insurance
Qdos Freelancer Public and Employers' Liability Insurance (PL & EL) is tailored to provide your business with the protection required to meet your statutory obligations.
Qdos Freelancer Public Liability Insurance
Qdos Freelancer Public Liability Insurance will indemnify you for your legal liability for injury or death to third parties and damage to third party property as a result of negligent acts by you or your employees. The insurance will also cover third party costs and expenses.
The cover is extended to include temporary employees provided the total number of days for such employees does not exceed 50 days during any one period of insurance.
Qdos Freelancer Employers' Liability Insurance
Qdos Freelancer Employers' Liability Insurance will indemnify you for your legal liability for injury or death to employees, including claimants costs and expenses.
The cover is automatically extended to include temporary employees provided the total number of days for such employees does not exceed 50 days during any one period of insurance.
Employers' Liability Insurance is compulsory for any business that has one or more employees whether they are permanent, part time or temporary. The only exception to this is if you are a ‘Ltd’ Company and you are the only employee and you own at least 50% of the issued share capital of the company. In this respect you are exempt from the need to purchase Employers' Liability Insurance.
You should note that Qdos Freelancer Employers' Liability Insurance cannot be purchased in isolation and is only available where Qdos Freelancer Public Liability Insurance is purchased.
Summary of Cover
Public Liability
Llimit of liability of £1,000,000.
Covers legal liability for injury or death to third parties and damage to third party property.
Extensions and Additional Benefits to the Public Liability cover include:
- Cross liabilities
- Legal costs and expenses at any coroners inquest or in any court of summary jurisdiction
- Defective Premises Act liability
- Legal defence costs for Health & Safety at Work etc. Act and Consumer Protection Act
- Motor Contingent liability
- Leased hired or rented premises
- Contractual liability
- Mechanical Plant as a Tool of Trade
- Indemnity to Principal
- Temporary Employees for up to 50 days
Employers' Liability
Legal liability for injury or death to employees including claimant's costs and expenses with a limit of liability of £10,000,000.
Extensions and Additional Benefits to the Employers' Liability cover include:
- Legal defence costs for Health & Safety at Work etc. Act 1974
- Indemnity to Principal - Employees Unsatisfied Damages
- Court Attendance Compensation
- Temporary employees for up to 50 days (at least one permanent employee, manual or clerical as appropriate for the trade, must be covered for this extension to be applied)
Principal Exclusions/Conditions
Below are some of the key exclusions/conditions. Please see the Policy Wording for full explanation of all exclusions and conditions/precautions.
Exclusions
Hazardous Locations:
- Docks, harbours, railways
- Offshore or Petroleum Installations
- Chemical or Petrochemical Works
- Aircraft, airports or airfields
- Collieries, mines or quarries
- Power stations
- Nuclear installations
- Watercraft
- The lopping and felling of trees
- Liability arising out of failure or advice or design of alarm and security installations
Professional advice and treatment for Professional Trades - £250 Third Party Property Damage Excess
- £50 Tools and business equipment and transit excess, but increased to £100 in respect of glass and non ferrous metals and £200 for computer equipment
- The first seven days in respect of the alternative accommodation extension under the Tools and Transit section
- Theft of tools or business equipment from unattended vehicles overnight unless in a securely locked garage or alarmed vehicle with an approved alarm.
- Theft of computer equipment from any unattended vehicle unless from a securely locked boot
- Terrorism other than the minimum requirements of the law in the United Kingdom
Please Note:
This summary only provides brief details. For precise cover, conditions/precautions, exclusions and more information, please refer to the policy document.
Should this insurance not be suitable for your organisation, please contact the Freelance Team where we can tailor insurance to suit your requirements.
When purchasing a product from our shop you will first be asked to register for an account. Once you have completed our online application form and made payment, you will be able to log into your account to view your policy documents or product information.
Statement of Demands & Needs
It is important that before deciding to purchase a Qdos product you consider whether the insurance is appropriate for you.
You should read thoroughly all the product information we have made available to you, in particular the Specimen Policy Wording together with the Summary of Cover (Key Facts) before deciding to purchase your chosen product. These documents contain the full Policy Terms and Conditions.
Please note that you are basing your purchase solely on your own interpretation of the information we have provided.
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Pay by instalments
Qdos are pleased to advise that we are now able to offer payment by monthly instalments if you pay for any product from the Freelance Contractor shop using your credit card.
By opting to pay by monthly instalments you will then be able to suspend and activate cover so that you only pay premium while you are contracting.
Please note: This is a claims-made policy and not a claims-occurring policy. If a potential claim develops at a time where your Policy is suspended your claim would not be covered by Qdos and you would be liable for the full amount that would have otherwise been covered by your insurance policy. Qdos best advises you to continue cover and discourages you from suspending your Policy even if you are not currently on contract or between contracts. We recommend that you continue cover until you cease trading. If you suspend cover and a claim develops whilst you are not paying premium by monthly instalments your claim would not be covered.
