Public & Products Liability
Scope of Cover: Indemnity in respect of your legal liability to third parties for accidental death, bodily injury or disease or damage to third party property, arising out of your business and occurring during the policy period, including liability to third parties for accidental death, bodily injury or disease or damage to third party property arising from goods sold, supplied, manufactured or processed by yourselves.

Employers’ Liability
Scope of Cover: Indemnity in respect of your legal liabilities to employees for death, bodily injury or disease arising out of or in the course of their employment. N.B. As an employer you are legally responsible for accidents which may result from the acts or omission of your employees, the liability extends under common law to the payment of compensation to injured employees.

Please note the difference between Bona Fide and Labour Only subcontractors as follows:

Bona Fide subcontractors are any company, firm or individual who undertake work where they supply their own labour, materials and use their own tools. Bona fide subcontractors are responsible for their own risk assessments, method statements and for supervising the health and safety aspects of the contract.

Labour Only subcontractors work under the direction and control of the employing company, who take on the responsibility for risk assessments, method statements and, usually, the provision of materials and equipment. Employers have a statutory duty under Health & Safety law to protect labour only subcontractors the same as they would PAYE employees.