Sandbach insurance brokers
High-risk liability insurance
Looking for competitive high-risk liability insurance backed by outstanding customer care? Call JMG Sandbach today on 0161 300 2930 and let our team of independent specialists compare the market to find you the non-standard public liability insurance that’s right for you. Whether you’re working at height, operating a crane, using heat, or a car park operator, we can help, so call us on 0161 300 2930 or contact us and let us find you the cover you need.
What is high-risk liability insurance?
High-risk liability insurance, also known as non-standard liability insurance, offers financial protection to people and businesses that face an unusual set of liability risks. These risks could come from working at height, as someone is working with potentially hazardous materials, such as a fabricator, or if a business that has an unusually high exposure to the public, such as a car park operator.
Why get your high-risk liability insurance from JMG Sandbach?
Since our founding in 1995, we’ve helped hundreds of individuals, business owners and professionals get the high-risk liability insurance they
need. Our clients choose us as we offer a fantastic combination of service and value that gives you:
- Highly competitive cover from leading insurers
- Personal service from quote to claim
- Independent advice
- Help from people who are non-standard liability insurance specialists
To experience our exceptional service for yourself, call us on 0161 300 2930 or contact us and let our team help you get the high-risk liability insurance that’s right for you.
What can high-risk liability insurance cover?
Common policy elements of high-risk liability insurance business insurance include:
- Public liability insurance – or PL insurance as it’s also known, forms the basis of many non-standard liability insurance policies. It protects you/your business should a member of the public be accidentally injured or their property damaged because of your work. It’s especially important for businesses and contractors whose work brings them into contact with the public or those operating in public places
- Employers’ liability insurance – or EL insurance, protects employers from compensation claims from their employees should they be sued for loss or injury at work. If you have people working for your firm, be they full-time, part-time, or contracted, then having employers’ liability insurance cover is a legal requirement. Failure to have a policy in place can lead to a £2,500 fine for each day you are without it. In law, the health and safety of your employees is essential, which is why you are legally required to protect your business from incidents such as:
- A member of staff developing a medical condition through their work
- One of your employees having their property damaged at work
- Cover you for at least £5 million of liability cover
- Be through an authorised insurer
- Professional indemnity insurance – if your organisation offers clients professional advice or provides a service that requires advice on best practice, you should consider having professional indemnity insurance in place. Professional indemnity insurance – P.I. insurance as it’s also known – can shield you financially should you be sued for losses by a customer for giving them poor or misleading advice
- Contractors All Risks – Contractors all-risk insurance (C.A.R. insurance as it’s also known) insures the needs of people working on construction sites – a notoriously risky environment. This can include cover such as contract works, owned plant, hired-in plant and employees’ tools
If you’d like some non-standard liability insurance advice, call us on 0161 300 2930 or contact us and let our team help you get the protection you need.
Who needs non-standard or high-risk liability insurance?
Non-standard liability insurance through JMG Sandbach is flexible enough to protect a wide range of businesses and professionals, including:
- Crane operators
- Roofers
- Welders
- Fabricators
- US car importers
- Coffee roasters
- Carpark operators
- Pressure cleaning contractors
- Steeplejacks
- Breweries
- People with convictions
How much does non-standard and high-risk liability insurance cost?
Your high-risk liability insurance premiums will be calculated based on factors such as:
- The type of work you are doing
- Where – specifically at height, below ground, or at sea
- Whether you have any employees and if so, how many
- Your claims history
- The size of your business
- If you’re working with heat, dangerous chemicals, high levels of electricity
- The level of excess you are willing to accept
Non-standard liability insurance FAQ
Non-standard and high-risk liability insurance can be complicated areas of cover. To help you get the protection you need, here are our frequently asked questions about non-standard and high-risk liability insurance. We hope they’ll be of use, but if you’d like some personalised, independent advice, then please call us on 0161 300 2930 or contact us and one of our insurance specialists will be happy to help.
No but given the risks you run and the potential payout size, it’s well worth having it in place. Also, some employers such as local authorities may insist on you having a certain amount of cover. If you have any employees, you will need to have employers’ liability insurance
Non-standard liability insurance through JMG Sandbach can cover everyone from crane operators to fabricators, coffee roasters to car park operators. If you have a specific profession in mind, please call 0161 300 2930 or contact us and one of our specialists will be happy to help.
It can provide a package of protection and commonly includes public liability, employers’ liability and professional indemnity insurance
Yes, you must provide employers’ liability cover for the total number of subcontractors, for whom you are responsible, on site or working at your premises
Getting a quote is easy. You can get your non-standard or high-risk liability insurance quoteby calling us on 0161300 2930, or contact us and one of the team will be happy to give you all the help you need
Contact JMG Sandbach
If you’d like some independent insurance advice or a high-risk liability insurance quote, please call our experienced team of independent insurance experts on 0161 300 2930 or contact us today and we’ll give you all the help you need protecting what matters to you.