How do I find out if a UK company have public and/or employer liability insurance?
I am about to deal beside a company who is telling me that they have these, but cannot provide evidence - which seem suspicious to me, so is there a "central register" or something that I could check??
Answers:
There is no central registry.
There is no requirement for a company to have public liability insurance and at hand is no certificate of public liability insurance.
All companies have to own employers liability insurance and a copy of the certificate must be displayed at every location where on earth the company operates.
Please note that this cover will be of no use to you whatsoever as you are not an hand of the company.
Perhaps yo caould ask them to provide details of their insurance broker and you could contact them. - Make the form look official.
They must display their Employers Liability warrant so this shoulld be hanging somewhere on the wall on their premises.
PL does not have a cert, but they should know how to show you the policy schedule which will have current cover date and a policy number clearly visible on it.
If they cannot or will not show you either, I one-sidedly woud decline to deal with them. Drop them a file with a deadline for suppling this information. The kind of things to ask for are:
Name of Insurer
Name and address of insurance broker (if applicable)
FSA registration number of both the above
Policy number(s)
Start and expire date of cover
Limit if indemnity
If they won't give it, steer well clear.
If a uk company have liabilty insurance then they should be displaying the actual certificate or at most minuscule a copy of it.
It should be displayed at a point where it can be seen.
By contacting them Source(s): http://www.freewebs.com/a2z-insurance/
There is no such item as a "Public Liability Certificate" but if they have Employer's Liability cover, a Certificate will have be issued by the insurer and must be displayed at their premises under UK Law.
In any event, they should be able to provide you next to a copy of their insurance schedule which will detail all the operative covers within force.
If they can't (or won't), I'd be suspicious of dealing with them.
you can't - other than by optical inspection
If they have public and employer liability insurance you are issued with a certificate which they would be capable of show you. It sounds as if they do not have it.
Related Questions:
Answers:
There is no central registry.
There is no requirement for a company to have public liability insurance and at hand is no certificate of public liability insurance.
All companies have to own employers liability insurance and a copy of the certificate must be displayed at every location where on earth the company operates.
Please note that this cover will be of no use to you whatsoever as you are not an hand of the company.
Perhaps yo caould ask them to provide details of their insurance broker and you could contact them. - Make the form look official.
They must display their Employers Liability warrant so this shoulld be hanging somewhere on the wall on their premises.
PL does not have a cert, but they should know how to show you the policy schedule which will have current cover date and a policy number clearly visible on it.
If they cannot or will not show you either, I one-sidedly woud decline to deal with them. Drop them a file with a deadline for suppling this information. The kind of things to ask for are:
Name of Insurer
Name and address of insurance broker (if applicable)
FSA registration number of both the above
Policy number(s)
Start and expire date of cover
Limit if indemnity
If they won't give it, steer well clear.
If a uk company have liabilty insurance then they should be displaying the actual certificate or at most minuscule a copy of it.
It should be displayed at a point where it can be seen.
By contacting them Source(s): http://www.freewebs.com/a2z-insurance/
There is no such item as a "Public Liability Certificate" but if they have Employer's Liability cover, a Certificate will have be issued by the insurer and must be displayed at their premises under UK Law.
In any event, they should be able to provide you next to a copy of their insurance schedule which will detail all the operative covers within force.
If they can't (or won't), I'd be suspicious of dealing with them.
you can't - other than by optical inspection
If they have public and employer liability insurance you are issued with a certificate which they would be capable of show you. It sounds as if they do not have it.
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