Employers' Liability

Employers' Liability

The definition of 'employee' in the arts can vary widely; it's important to consider insurance for freelancers, volunteers, managers... Your staff are your greatest asset - and you have a duty of care to keep them safe and well at work.

Employers' Liability Insurance is mandatory for companies in the UK. It's designed to protect you from costs arising from your liability for employee injuries or illness arising in the workplace.

What if...

  • An employee falls or trips at work because of loose carpet or cabling? - the injury prevents them from working for several weeks during which time you have to pay sick leave as well as hire-in a temp to cover them
  • An employee wins a court case against you? - you're now liable to pay damages and their legal fees, on top of your own
  • An employee makes a mistake while working which results in injury? - but you're found liable because you didn't provide adequate H&S training
  • You forget to take out cover for a summer intern joining your team? - and get fined £2,500 for every day they worked

Cover can include:

  • Legal costs
  • Compensation due
  • Court attendance compensation
  • Claims for injury and disease - including those caused by terrorism
  • All employees - including volunteers working for you
Employers Liability Paint Brushes On White

“La Playa: Insurance with Intelligence. Passionate. Discerning. Independent.”

 

Ready to work with us?

You can call us to talk more about your business on +44 (0)1223 200650 or +44 (0)20 3865 0149

What's Covered?

Monthly Payments
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About La Playa Fine Art

Specialist & Independent

Advice You Can Trust

…from an expert who understands you

  • Specialist insurance for the arts
  • Independent professional advice
  • Relationship-based service: right beside you when you make a claim
  • “Can do” culture
  • Seamless insurance across UK and US

 

What does “Boutique Service” actually mean?
La Playa’s Personal Risk Concierge means:

  1. A dedicated adviser so you can speak to the same person each time
  2. Careful listening to really understand your needs and priorities
  3. As much help as you need with completing forms to provide risk information
  4. A discreet and complimentary appraisal* of your property to assess the risks and ensure you have the right cover where you need it
  5. An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions
  6. Careful monitoring of the insurers’ financial strength, claims and customer service
  7. An independent recommendation of the best policy for you - and, importantly, why
  8. Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analysed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies 
  9. An intelligently designed portfolio of protection across multiple asset classes and territories
  10. Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down
  11. Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers
  12. Direct phone, mobile and email access to your adviser for questions and advice. We aim to respond to emails within 60 minutes
  13. Policy documents emailed to you - no logins and passwords to remember
  14. An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running; driving through to a swift and fair financial settlement

Oh, and...

  • No call centres
  • No ‘hold’ music
  • No hidden fees

*subject to availability with our insurer panel

Photo from Fine Art
Photo of Jane Byde ACII

Jane Byde ACII

ACCOUNT EXECUTIVE

Direct Dial: 01223 200650

Mobile: +44 (0) 7342 997211

Email: jane.byde@laplayainsurance.com

Twitter: @LaPlayaJane