Wrightsure/Performers/Services/Combined Liability
Employer’s Liability and Public Liability with limits up to £10,000,000.
This section has a set £10,000,000
limit of indemnity and covers your legal liability to your employees. This
is a legal requirement without it you could be breaking the law. There seems
to be a common misunderstanding with who and who is not an Employee. When
we are asked to provide quotations we are constantly told “we do not
need this cover as our actors/crew are freelance or volunteers” or “we
do not pay them”, well as soon as they start work you are breaking
the law!! Do not confuse insurance with the inland revenue, just because
you do not pay someone’s income tax does not mean they are not employees
if they are under your control you are legally responsible for them.
Here you can arrange cover
to protect you from claims made against you by third parties for property
damage or bodily injury. You have a choice of limits available of £1,000,000 £2,000,000
and £5,000,000. Although in most instances £1,000,000 is deemed
adequate most local authorities and venues now require £2,000,000 or £5,000,000.
Again many of you seem to believe that you do not require Public Liability
insurance as the venue already have it? Yes the venue will have cover so
in the event that they are held responsible their insurance will indemnify
them, but if you are negligent who will indemnify you. We have had many incidents
where the venue have sued the visiting company for example a stage was damaged
where set was dragged across it, this would have cost the company over £2,000
thankfully they were insured.
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