Nursery Insurance for Owen Froebel clients

Public Liability insurance can help your business cover the costs of claims from third parties for injuries or loss.

There is no cover for fines, penalties and putative awards, and sports involving weapons. You must follow all relevant statutory requirements and take all reasonable precautions to prevent a loss.

Employers' Liability covers the cost of compensating employees who are injured at or become ill through work due to employers’ negligence.

You must take all reasonable precautions and comply with all relevant statutory requirements and you are not covered for fines penalties and punitive awards. 

Legal Expenses is a way to help your business get access to legal support when you need it. It covers the costs of a legal dispute either made by or against you. It also provides a range of helplines for expert advice on business related legal and tax matters including employment law disputes.

You will not be covered for any claim with a less than 50% prospect of success, legal costs and expenses incurred without the insurers consent and claims not notified in a reasonable time. Helplines are subject to fair and reasonable use.

Property Damage provides cover for items of property detailed in the quotation, such as buildings and contents for accidental loss, destruction, or damage. 

You will not be covered for non-physical damage or items you have chosen not to insure, theft of property in the open, loss, destruction or damage caused by wind, rain, hail, sleet, snow, flood, dust or falling trees to moveable property in the open.

Business Interruption covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected event. 

You will not be covered for loss caused by damage excluded by the Property Damage section and if your interest in the business ceases other than by death or the business is wound up, insolvent or permanently discontinued.

Professional Indemnity insurance is designed to protect you if a client or customer of yours loses money because of advice or services you've offered in connection with your business.

You will not be covered for claims or circumstances that you are aware of or that have been or should have been reported to a previous policy, bodily injury or property damage other than as provided for under Loss of or Damage to Documents.

Loss of Registration is there to protect you against a reduction in gross revenue, an increase in cost of working or a depreciation in the value of your interest in the business or premises following cancellation of your registration certificate by your registering authority. It also covers you for temporary suspension of your registration.

You will not be covered for your business being wound up by a liquidator or receiver, or permanently discontinued, any losses after 3 months from the registration suspension date or after registration reinstated, whichever is the earlier and circumstances which were partly or wholly within or under your control.