Posted By Paul Leadbetter Alex See my responses to this thread: http://www.iosh.co.uk/in...iew&forum=2&thread=26009 Paul

Posted By Alexander Falconer Ian The quote was given through the same website you mentioned. There were others quoted that only covered public liability and were much cheaper. My quote covered both public & professional insurance, but for some reason, the facility does not let me select only PI insurance

Posted By Ian G Hutchings Alex You could maybe try Hiscox, Norwich Union or AXA for a standalone PI insurance. Also, Barclays may now offer a competitive comparison (blimey I sound like an insurance salesman). Cheers Ian

Posted By Phil Grace Alexander, Can't comment about level of PI premium with any direct experience but it seems of the right order of magnitude. As regards PL and PI - you'll need both. If you put down your briefcase in the wrong place whilst at a client's premises and someone tripped over it you could end up being sued. For this you'd need PL. If you climbed onto a FLT during some training or demonstration and ran into the building, damaged truck or similar then that could result in claim from client. Again that woudl be a PL claim. More seriously if you gave advice or got client to do something that resulted in a loss of some sort e.g. damage to equipment then you'd need the PI. Phil

Posted By Alexander Falconer Clare I share your sentiments exactly. I am currently employed in the Domestic Gas Industry at present, and actively participate as a parent within my youngs son's nursery. The nursery manager has expressed some concerns over the services they currently receive from elsewhere. She, knowing my occupation as being HSE Manager, has asked if I would be able to help out? I have indicated that I am happy to help out, however given the scale of the tasks to hand, and the poor service previously encountered the task itself is a lot bigger than anticipated. Rather, as you state be a "cowboy" taking the money and run, my son still has to attend the same nursery, so for him and his friends I owe it in my professinal capacity to do a good job and do it properly. Who knows it may be the start of something big. I have registered my intent as a sole trader, and am currently searching for suitable insurance that will protect myself, but at the same time not take a large chunck of my "earnings" (which for the next 6 months or so will probably be pocket money or so), until I source additional contracts/work and build the business to the extent I can make a living from it. There is no intention of me starting the task(s) in hand until I have adequate protection. A

Posted By DavidW Can't disagree with any of the comments above re the need for it. Some things to bear in mind: check whether the level of liability is per claim or on an aggregate basis eg you have £1M of cover but if this is aggregate and you are unfortunate enough to have 2 claims in one year you will only have a max of £0.5M for each claim. Some of the cheaper policies are set up this way but it is not always obvious up front. Worth speaking to IOSH as they have a scheme, I found it expensive comapared to others but depends very much on the type of work you are doing. I ended up going through IEMA as I'm a member of that and found very good value EHS cover for £1M level of liability. Good luck with the search, I found it a bit of a minefield but it's worth the effort. David