Rank: New forum user 
|
After reading an earlier post that offering any H & S advice to a business, Professional Indemnity Insurance WILL need to be in place.
I have helped my wife with their company's Fire Risk Assessment. Unpaid of course. Would I need to have PI cover for this? I was under the assumption that it is the Responsible Person within the company who is ultimately responsible, irrelevant of any competent help they may receive.
|
|
|
|
|
|
Rank: Forum user
|
Just don' put your name on the report.
I assume your wife is an employee of the company - in which case the company are responsible for her actions. See Vicarious liability principles
|
|
|
|
|
|
Rank: New forum user
|
She is the office Manager. Her Brother's are the Directors. I haven't put a name on it.
|
|
|
|
|
|
Rank: Forum user
|
Hi Ian,
In the circumstances you mention then it's highly unlikely that you'd be sued if the advice turned out to be faulty (although I hasten to add that I'm not a lawyer and this is really an issue about potential liability for alleged negligence).
However, if somebody is offering advice, even free advice, to a third party then there will be an expectation that the advice given be competent. The point of PI insurance is that you have a level of protection if there is an allegation that the advice you gave was defective, and the court then rules against you - which could prove very expensive!
|
|
|
|
|
|
Rank: Forum user
|
I took out PII/PLI just to cover me for the few pro bono pieces of work I did assisting some friends staring up companies. For a few pounds it gave me piece of mind.
|
|
|
|
|
|
Rank: New forum user
|
|
|
|
|
|
|
Rank: Forum user
|
Hiya Folks
I just went to buy some PI from Hiscox (a company who was recommended in a previous post) and in the exclusions it specifically states:
"Claims arising from bodily injury and property damage are not covered"
Why else would a H&S Consultant require PI cover if not for this, legal costs yes but sure these would be as a result of a personal injury or property damage case?
Stu
|
|
|
|
|
|
Rank: Super forum user
|
Hiscox are well noted for being terribly expensive for poor & limited cover( many exclusions). You may find that the outfits advanced by the safety institutions are way over the top as well. Shop around and look very closely at any exclusions that they impose. Give Markel Insurance a call. Excellent premium, cover and customer service. www.markeluk.comJon
|
|
|
|
|
|
Rank: Forum user
|
Thanks Jon, this looks like a good policy, I'm just little concerned about the exclusion regarding "inception" as most advice could be traced back to being the first part of a stage of events that could lead to an injury. This is quite a complex area, but I'm sure that the right one is out there somewhere. Yours looks like the best so far, good value too.
|
|
|
|
|
|
Rank: Super forum user
|
Stuart
Aren't bodily injury and property damage covered by PL rather than PI?
LB
|
|
|
|
|
|
Rank: Forum user
|
Sorry guys, if you provide advice and it can be traced to you, then I would get PI, having 12 years in safety consultancy you are in the frame.
That doesn't mean the insurers will go after you, its just that you have given professional safety advice. You are part of the process and hence fully accountable for your advice - don't forget it!
Stephen
|
|
|
|
|
|
You cannot post new topics in this forum.
You cannot reply to topics in this forum.
You cannot delete your posts in this forum.
You cannot edit your posts in this forum.
You cannot create polls in this forum.
You cannot vote in polls in this forum.