What is Employers liability insurance ?

What is Employers liability insurance ?

Employers liability is designed in such a way that it provide cover for your employees in case of any emergency. Point to be noted here is that employers liability does not cover you against the risk of being sued for claims like. Employers liability is basically a legal liability to pay damages consequent upon disease or bodily injury sustained by any employee during the job period.

Employers liability insurance is a mandatory insurance policy for all business owners that are taking the services of an employee. For example, if you are the chief operating officer of a private limited company then you will need employers liability insurance by law.

Employers liability cover includes trainees, temporary workers and sub-contractors. If you are running a limited company, employers liability cover is essential. In case if you are a sole director with no staff then there is no need of any cover. In terms of limit of indemnity for employers liability, the minimum level required is $5 million. However, for more peace of mind you should opt for a policy that covers more than $10 million.

You always have a choice of increasing the limit of indemnity for employers liability.

To get a best possible employers liability insurance deal, you need to shop around in the market. Insurance companies normally give discount of around ten per cent when you have more than 50 employees. When you take quotes from multiple insurance companies you will get to know what the prevalent market rates is. This in turn will ensure that you will face no problem in terms of rates. You can also get employers liability insurance policy through online insurance companies. The best part about online insurance companies is that the application procedure is quite straightforward here. Read the contract paper carefully before submitting it to the insurance company.
You just need to give the details of employees and in a matter of few days, you will get the contract paper of employers liability insurance.

Covering Liquor Liability Insurance

Covering Liquor Liability Insurance

According to law, person who served the liquor is also equally responsible for the accident that has occurred because of drinking too much liquor. The family members of the individual who has suffered serious injury or death due to drunk driving can sue all people that is associated with the party. To reduce your liquor liability, best way is to not serve liquor in your party. However, this is not really feasible because no party is complete without the inclusion of liquor. It’s your responsibility to make sure that your guests do not drink too much liquor during party.

Whether you are hosting a wedding, group party or a neighborhood picnic, alcohol is served everywhere. During party, drinking alcohol will not be much of an issue but when your guest’s start going for their homes, chances of accident while driving increase a lot.

If you are taking the services of vendor in serving liquor, ensure that vendor is licensed and insured. If that is not the case, you are in for a tough time especially if any of your guests commit an accident. If you are serving liquor by yourself, you can handle situation more efficiently as you will know how much liquor is being consumed by the guests. If any of your guest is taking too much liquor you can tell him clearly that he has already crossed liquor limit and now he will not get any dose.
If possible, it is also recommended that you add an indemnification clause. To get discount in liquor liability insurance policy, you need to shop around in the market. Rather than going for short-term coverage, it is advisable that you opt for comprehensive liquor liability insurance coverage.

It’s always better to remind guests to drink responsibly and exercise good judgment. Let them know that drinking too much liquor can cause significant danger to their life. If any of your guests has drink excessively, make sure that he does not drive the car and you send him to his home on your car through your driver. Buy a liquor liability insurance policy by getting an additional rider from your insurance company.

Cheap Auto Liability Insurance Quotes

Cheap Auto Liability Insurance Quotes

Auto liability insurance is an integral part of auto insurance policy. When you have committed mistake in an auto accident, liability coverage pays property damage expenses for the individual you injured and bodily injury. Furthermore, liability coverage also pays your legal defense bills.

You may need to buy collision and comprehensive coverage as well because liability coverage does not cover the repairing cost. It is worth mentioning in this regard that collision coverage not only covers the repairing cost but also substitute your car when you are responsible for any accident.

Comprehensive coverage also pays when your car is stolen or damaged. Personal injury protection coverage pays for your and your passenger's medical bills when you are responsible for any accident. Another good thing about personal injury protection coverage is that it also pays for your and your family's medical bills when you suffer injury because of a high speed car. Uninsured motorist coverage pays for bills related to your injuries that has occurred due to an uninsured driver or a hit-and-run driver. If you are interested in getting cheap liability auto insurance quote you need to shop around in the market.
Generally speaking, liability insurance is denoted as three numbers. For example if you live in London, the minimum liability requirements are 25/50/10. In other words, you must carry :

$25,000 worth of bodily injury coverage per individual.
$50,000 worth of bodily injury coverage per accident.
$10,000 worth of property damage coverage per accident.

In addition, there are number of insurance comparison website in the web where you can get cheap auto liability insurance quotes from plenty of reputed companies. Majority of people opt for basic auto liability insurance policies as they are not that expensive. However, these policies does not give you maximum number of benefits. It is basically an agreement between you and the insurance company, in which you need to pay a premium. Insurance company, on the other hand, will offer you financial support on the basis of the terms and conditions of insurance policy. If you are looking for a comprehensive coverage then basic auto liability insurance policies are not ideally suited for you.