[BNM] Public Liability and Professional Indemnity

[Ali]

Thanks Jonathan,

I went with Hiscox who turned out to be cheaper than my quote (got the same
cover for £323). Your point about being able to do *any* job - I think I am
safe there - Can't think of many jobs I could do if I couldn't code with my
laptop....

Cheers,

Ali

-----Original Message-----
From: bnmlist-bounces at brightonnewmedia.org
[mailto:bnmlist-bounces at brightonnewmedia.org] On Behalf Of Jonathan Hirsch
Sent: 03 October 2008 15:10
To: Brighton New Media
Subject: Re: [BNM] Public Liability and Professional Indemnity

Hi Ali,

That sounds pretty good to me, on the face of it. I pay just shy of  
£400 per year for the same public liability / professional indemnity  
levels, but you're getting disability / accident on top of that.  
Worth checking the terms of that though - you may be better off with  
a separate permanent health / loss of income policy (though that  
would cost more - I pay about £350 a year for a similar level of  
cover although the deal is that if I can't work (in my own role, not  
in *any* role ;-), then after three months I get a monthly pay out  
for as long as it takes to get better, which could be for the rest of  
my life, not just 2 years. Main things to check are how long you have  
to be unable to work before payments kick in, whether there are any  
types of illness or accident that are excluded, and make sure the  
policy applies to your own role - i.e. you get paid if you can't do  
*your* job, so they can't decline to pay you if you're still capable  
of being a supermarket checkout assistant or whatever.

I may of course be paying too much for my PI/PL - haven't checked  
recently.

HTH,

Jon


> Before I accept a quote for insurance I thought I’d check if anyone  
> thinks
> the premium’s excessive, the cover’s not enough etc...
>
>
>
> Public Liability £1M
>
> Professional Indemnity £250k
>
> Disability/Accident for 2yrs @ £500pw
>
>
>
> For an annual fee of £486
>
>
>
> Thanks
>
>
>
> Ali
>
> -- 
>
-- 

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