Qdos Public and Employers Liability Insurance covers the legal liability of a business in the event they are liable for injury or illness to their employees or third parties, as well as property damage that may be caused in the provision of business activities.
- Documentation is issued within minutes of purchase via email allowing you to get instant cover quickly
- FREE IR35 Contract Assessment included with this insurance (valid during the term of your policy)
- Our premiums remain amongst the most competitive in the market and we intend to keep it that way
- Competitive rates for offshore workers, including rope access
What is Public and Employers Liability Insurance?
Public Liability Insurance
Public Liability Insurance will react in circumstances where a third party (an individual person, or a corporate entity) brings legal action against you in respect of physical injury, or damage to property, caused by you in the course of your business. Public Liability is designed to defend your case and, if necessary, pay the damages owed.
Employers Liability Insurance
Employers Liability Insurance will react in circumstances where an employee seeks to bring a claim against you for personal injury or accidental death sustained as a result of their employment with you. Employers Liability will defend such a claim and pay the damages for which you are liable.
Employers Liability Insurance is compulsory for any business that has one or more employees, whether they are permanent, part time, or temporary. Employers Liability is not a legal requirement if you are a ‘Ltd’ Company, you are the only employee and you own at least 50% of the issued share capital of the company.
Please note that Qdos Employers Liability Insurance cannot be purchased in isolation and is only available where Qdos Public Liability Insurance is purchased.
Working in the Energy Sector?
The offshore working environment is highly specialised and, consequentially, many insurers choose to avoid offering cover to those providing services in such locations. Qdos has worked hard to understand the risks associated with offshore work and are able to offer Employers and Public Liability to a wide variety of self-employed workers (including those providing rope access services) at highly competitive rates.
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.
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.