Standard £10,000,000 limit of indemnity. Increased limits available on referral.

Claims brought by any employee of the Insured who suffers injury or illness arising out of their employment with the insured. This can include owner drivers if the customer books their journey through the insured to access the owner driver. Example claims:

1. Pinhole in a pressure washer cause a strong jet of water to puncture an employee’s hand. He claimed for compensation for the injury & time he spent unable to work.
2. When removing a wheelchair from a bus, it fell on the driver and lead to injury. He claimed for compensation for the injury & time he spent unable to work.

Minimum £2,000,000 limit of indemnity. In-house rates available at £5M & £10M. Increased limits available on referral.

Claims brought by members of the public and others who suffer accidental injury or illness or whose material property is accidentally lost or damaged through the insured’s business activities. Example claims:

1. A taxi driver always dropped a disabled customer off at the same place every day. One day he was off ill and a colleague covered the route for him. Not knowing where they normally pulled up, he stopped on the opposite side of the road & on exiting the vehicle the disabled customer fell into the road causing injury. The client claimed for emotional distress from the incident & compensation for the injury.

Minimum £2,000,000 limit of indemnity.

Claims arising from the sale of food & drink.

Example claim: A cup of tea sold contained allergens not covered by the label. The customer who bought the tea suffered an allergic reaction.

Cover under the Public Liability section is automatically extended to include legal liability for accidental loss or damage to passengers personal effects whilst in the Insured’s custody or control up to a limit of £1,000 per passenger and £50,000 any one vehicle.

Excess = £100

Example claim: A driver did not secure the luggage section of the coach securely and on turning a bend the catch came open so the luggage was strewn over the roads & he didn’t notice until they got out at the other end. Passengers were compensated for the loss/damage of their belongings.

Claims arising from the customer undergoing works on their vehicle by an employee of the Insured’s company.

Example claims:

1. On replacing a bulb in a coach, a mechanic slipped & broke some component parts. We paid for the repair of these parts.
2. When servicing a taxi too much oil was put in the engine causing damage to the vehicle which was then written off.

Claims arising from the Insured’s organisation of tours.

Example claim: Our Insured organises a tour including an overnight stay in a hotel. A customer of the tour slips on a loose carpet tile. This customer then claims against our insured as that’s who she booked the tour with. We paid the claim & attempted to recover this from the hotel itself.

Included within our standard policy wording, this covers liability arising out of the use in connection with the business of any vehicle not owned, provided or being driven by the insured.

• Abuse (some insurers have a very limited description of what injury includes, but rest assured that our policy covers you for bodily injury, death, disease, illness, mental injury, mental anguish or nervous shock).
• Pollution Cleanup
• Medical Intervention
• Legionellosis