Liabilities.

Legal liability for sickness or injury.

High awards for personal injury claims are now commonplace and any business is vulnerable to ruinous court action brought by employees or third parties following injury or illness in course of their employment or dealings with the business.
A business may be sued if one employee injures another or injures a visitor or member of the public.
If a product causes sickness or injury to the user an action may be brought. A disclaimer on the
product is not enough.

• A visitor may be injured by processes or a building defect.
• The risk of food poisoning in some trades needs special attention.
• Financial loss can be sustained following professional negligence.
• Directors and senior managers may be personally liable without being involved personally in the incident causing the action.

Indemnity limits need to be adequate, not excessive. Lovat will show you how to concentrate resources on those risks which really threaten your business.

Lovat Insurance Brokers Limited is part of the Bestinvest Group and authorised and regulated by the Financial Services Authority (FSA). Lovat Insurance Brokers Limited's FSA Company reference number is 305302 and this may be verified by checking the register on the FSA website http://www.fsa.gov.uk/register/home.do or by contacting the FSA on 0845 606 1234. The FSA are an independent body that regulates General Insurance, Mortgages and the Financial Services Industry. Copyright Lovat Insurance Brokers Limited 2009 - All Rights Reserved