leanne-jones : Hello - my name is XXXXX XXXXX it will be my pleasure to assist you today.
leanne-jones : Do you have public liability insurance? Have the products been tested?
My products have been tested yes
I am looking into the insurance at the moment and that is why i need to know what should be covered
leanne-jones : Ok. You need public liability insurance. That is what you need in the event there is an injury
leanne-jones : You need to make sure that claims for any type of injury arising out the use of, reaction to the products are covered
Thank you. But do i not need any other things covered apart from injury? Is it not neccessary?
leanne-jones : Any claim arising out of the use of the product.
leanne-jones : So any use.
leanne-jones : Any and all claims arising out of the use of, etc.....
What about legal costs?
leanne-jones : Although you may think this is specialist, of course they are many companies that manufacture products for use, not just skin cream but toys, vehicles etc
1. Stand-alone Liability
2. Commercial Combined
3. Commercial Property
4. Professional Indemnity
5. Property Owners (per Unit / Occupant / Dwelling)
6. Contracting Risks (JCT / Contract Works etc)
7. Goods In Transit
leanne-jones : If you have insurance for the products, then any claim should be covered by your insurers including legal costs
leanne-jones : You can have insurance for pretty much any eventuality. But it depends on what risk you want to insure against.
leanne-jones : The main one will be injury as a result of use
leanne-jones : But can also take out insurance for transporting of the products etc
Any on the list i just sent from 1 to 7 are they important?
leanne-jones : But public liability will protect you from selling the products and injury if any as a reault
leanne-jones : I think for simply selling creams you need not be too concerned about the above. Ie goods in transit is if the products are damaged on the way to or from you
Ok so public liability and transportation. Any other important ones you can think of?
leanne-jones : I just think public liability unless you are talking about huge volumes being shipped
And also to cover if i sell to a shop such as boots? Would this be different or include any issues
leanne-jones : Yes, liability would be covered.
leanne-jones : Although any contract you have with boots they are likely to seek an Indemnity from you anyway. That is you hold them harmless against claims made against them arising out of use of the product
leanne-jones : If you are wholesale I would only add commercial liability too
Yes i will just incase i move to that shortly
leanne-jones : Ok. But I am sure you can add that cover later
leanne-jones : Does this answer your question?
I've been quoted on the products liability inc all stock, contents and employers liability covered. So i could add commercial liability to this? that would cover it all?
leanne-jones : Yes it would
Ok thank you for your help. Are you a specialist in this area?
leanne-jones : So that covers you for example as well if your warehouse burns down.
leanne-jones : I am a Barrister so self employed and understand insurance as this is my business. Although I am not an insurance broker
What else does commercial liability cover for instance?
leanne-jones : Any claims made against you by third party business whom you have supplied
Could i contact you again directly if i have more questions later?
leanne-jones : Yes.
leanne-jones : Is there anything else I can help with?
How would i do that?
Not for now thank you you have answered my questions.
leanne-jones : Just post a new question for my attention
Ok. Thank you for your help.
leanne-jones : Welcome. Please remember to give my answer a great rating - thanks
Ok leane i will thanks again
leanne-jones : Welcome and have a great weekend
leanne-jones : Thanks