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What is steel erectors liability insurance?
The steel erectors liability insurance policy protects you against claims made against you in respect of your legal liability for personal injury or property damage by third parties. If you have employees then the employers liability insurance extension of the policy can protect you against claims made against you for your legal liability for death disease or injury sustained by employees during the course of their employment.
Why does a steel erector need liability insurance?
Everyone in business is exposed to the possibility of a claim being made against them and a steel erector is no exception. Awards for personal injury can be high and even the cost of mounting a defense against the most frivolous claim can be costly. Your steel erectors liability insurance can protect you against these costs.
The principal reason for arranging liability insurance is to protect you against claims made against you in respect of your legal liability for personal injury and property damage. In order to make sure you have the right cover in place you need to look at how these claims may arise. As a steel erector you will be exposed to the possibility of claims being made against you by third parties i.e. members of the public at large and it is public liability insurance you require in order to protect you from these claims.
If you have employees within your steel erectors business, then employers liability insurance is highly recommended to cover you against claims made by employees in respect of your legal liability for death, disease and personal injury arising during the course of their employment. Whilst not currently a legal requirement, this cover should be viewed as essential if you have employees.