Cleaners Liability Insurance
Liability Insurance Glossary
Definitions of liability insurance terms that you may have heard but not understood - from Polished Insurance.
Means any contract or agreement for the performance of work in connection with the TRADE or BUSINESS
Under an employers liability insurance policy the definition of an employee is;
- any person under a contract of service or apprenticeship with the insured
- self-employed person, labour only sub-contractor, labour master or person supplied by any of them
- person seconded to acquire work experience under a scheme or otherwise
- person hired to or borrowed by the insured whilst working for the insured in the course of their trade or business.
In the event of accidental Injury sustained by any employee of the insured caused during the period of insurance and arising out of and in the course of their employment by the insured in the course of the trade or business, and within the territorial limits, the Insurance Company will indemnify the insured in respect of all sums which they become legally liable to pay as compensation and claimant’s costs and expenses, for such injury.
The excess is the amount to be deducted by the Insurance Company from the total agreed amount of each and every claim other than claims relating to injury for which there is no excess
As far as is necessary to meet the requirements of any contract or agreement entered into by the insured for the performance of work for any principal the Insurance Company will at the request of the insured treat the principal as though they were also the insured in respect of injury or damage arising out of the performance of such work by the insured provided that the principal shall observe, fulfil and be subject to the terms, conditions and exclusions of this policy in so far as they can apply.
Means bodily injury, death, illness, disease or shock causing bodily injury.
Means the person or persons or corporate body named in the policy chedule and includes
- the legal personal representatives in the event of the insured's death in respect of liability incurred by the insured.
- at the insured's request any director, partner or employee.
The liability of the Insurance Company (under the relevant section) for compensation in respect of one occurrence or all occurrences of a series consequent on or attributable to one source or original cause. The amount shall not exceed the amount stated as the Limit of Indemnity in the policy schedule.
Means any public authority, government body, company, firm, organisation or person for whom the insured is undertaking a contract.
Means goods or other material property sold, supplied, delivered, installed, erected, processed, repaired, altered, treated or tested by or on behalf of the insured in the course of the trade or business and not within the custody of the insured.
Means any signed proposal form and declaration or any Statement of Facts and any other information in connection with this insurance supplied by or on behalf of the insured.
The Insurance Company will indemnify the insured against all sums which the insured shall become legally liable to pay as damages and claimants costs and expenses arising out of accidental
- injury to any person
- physical loss of or physical damage to material property
- obstruction, trespass, nuisance, wrongful arrest or interference with any right of way, light, air or water occurring within the territorial limits and resulting directly from the trade or business during the Period of Insurance