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You need Business insurance if you work away on site like this

Top Tips - if you mainly work away or on site

Save time and money on Business insurance if you work away or on site.
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Impact on your home insurance
Impact on your car Insurance
Do you need Employers’ Liability
Insurance while you work away
If you're injured and can't work


1. Impact on your home insurance


If you use your home for storage or for any other purpose connected with your business, you must inform your home insurer. This will make sure you don’t run the risk of invalidating the insurance you already have on your home and contents. However, it is most likely that this cover will not extend to your business equipment and a separate cover is still needed for this.


2. Impact on your car insurance


If you use your private car for any business purposes – however infrequently you do it – you must inform your car insurer. Your cover can then be changed to include business use. This may or may not result in an increase in your premium. If your insurer is unaware of the position, you run the risk that your car insurance could be invalidated. This means you are then driving without insurance and this is a criminal offence.


3. Do you need Employers’ Liability Insurance if you work away?


This is compulsory by law. You must have Employers’ Liability insurance if:
  • you employ someone (or control their work, eg. work experience people or sub contractors), or
  • you are a limited company (even if you don’t employ anyone else – this is because the limited company is employing you).


    4. Do you need Public Liability insurance while on site?


    Your clients will generally expect (or require) you to have Public Liability insurance. However, it is very important that you ensure you insure your legal liability for in any event. This covers your legal liability for
    • personal injury to third parties and
    • damage caused to their property.

    The insurance is subject to a monetary limit in respect of any one event (e.g. £1,000,000) – so it is vitally important to make sure this limit is high enough to cater for the most serious accident that you can envisage.


    5. Insuring your plant and tools on site


    If you take your plant or tools to any site where you may be working, they need to be insured anywhere in the country. You may need cover in vehicles overnight.


    6. Goods at customers' sites


    If you have stock at other people’s premises, it too needs to be insured at these locations, or anywhere in the country.


    7. How would you be affected by a fire at a customer's premises?


    If you do a lot of work at a particular customer’s premises (or at any other location), it’s important that your business insurance includes any loss to your profits caused as a result of damage at that location.


    8. Off work with an injury?


    Supposing you get injured and can’t work? If your livelihood is dependent on being fit and able to do the job, you should think about Personal Accident and Sickness insurance. This provides agreed monetary sums while you are incapacitated.


    9. Maintain an audit trail of your Business insurance


    Keep copies of all your correspondence about insurance, and make notes of any conversations and meetings. This may prove very useful if you need to make a claim, or if a dispute arises about what’s been agreed.



    What we mean by Business insurer, Home insurer and Car insurer

    What next . . .


    The next step Getting new Business Insurance - the steps you need to take








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