It is your responsibility to have appropriate insurance cover in place to cover the activities you undertake and, where appropriate, your liability in respect of customers and others entering your business premises. You may also require employers liability insurance if you employ staff.
If you are a member of a trade or professional body or subscribe to a code of practice you should check if this requires you to have specific types of insurance, or minimum insured amounts, in place. Alternatively you should seek the advice of an insurance broker.
We will ask you to provide evidence of appropriate cover in the form of a Certificate of Insurance; please ensure this is current, includes all the activities you undertake and is written in the true identity of the business.
You should note that insured amounts do not represent a limit of your liability to customers or others but merely the maximum amount that the insurance company will pay in the event of a claim. Accordingly you must not limit your liability to the amount covered by your insurance policies.
NOTE: Whilst we require adequate and appropriate insurance to be in place we are unable to advise you on the specific policies, contents, amounts insured or related matters.