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Are you really insured? - Questions to ask BEFORE you buy.
Question Typical competitor policy First Aid Insurance Explanation
Will my policy cover me if a claim is made after the policy expires, what if I retire or I renew with a different insurer? Our policy has a ‘claims occurring’ wording which means that as long as the policy was in force at the time of the incident you will be covered, even if the claim is made after your policy expires. It will even cover you if you retire or choose not to re-insure with us. Remember that the Statute of Limitation for a suit to be brought against you is 3 years for injury claims which dates from the discovery of problem not from sustaining the injury (symptoms can sometimes manifest years later, e.g. asbestosis) and this is extended to 6 years for non injury claims. For children, you have to reckon on 3 or 6 years beyond the age of majority, which is 18 and there could be no limitation period for certain disabled people - Will you be fully covered? Most insurers usually only offer cover as long as you continue to be insured with them. It ceases if you insure elsewhere or cease being insured (i.e. retire). You may be able to purchase ‘run off’ cover with our competitors but typically the maximum most insurers allow is 5 years - leaving you vulnerable to a late claim.
Is this retroactive cover free? Most insurers may apply a small charge for retroactive cover and in the case of Public Liability cover it is not always available – whereas with your FirstAidInsurance.co.uk policy it’s FREE for all indemnity cover for previously insured work before coming onto our policy.
Am I fully covered for the legal costs associated with defending claims of sexual impropriety in a criminal court? Typically most insurers policy wording will state that any act for which successful criminal proceedings are brought against you after they have paid the claim you will be liable to pay that money back to them. This is in addition to the excess they expect you to pay upfront of anything between £1,000 and £2,500! Our policy covers you and the costs of defending against those allegations in court and we won’t ask you for the money back. There is no excess and cover is not restricted to situations involving injury only - as long as it is in connection with your insured work you will be defended.
Wide description of Insured Person/organisation and their business activities?  
Will my policy cover me for injuries sustained by my client trainee while I am training them?  
Will my policy cover me for injuries the client trainee causes to themselves while I am training them on a course? Our policy will cover you if, for example, as a trainee bends to demonstrate CPR on a manikin, they put their back out as you could be held liable legally.
Am I fully covered for injuries caused to others? Typically most insurers restrict cover to accidental bodily injury only – where as ours does not.
Is the public, medical malpractice, professional indemnity level on my policy unlimited? With our policy you can have an unlimited number of claims in any one year and each of those claimants can claim up to the value of your indemnity limit – either £4m or £6m per claim (plus defence costs as below).Most insurers limit the indemnity per calendar year.
Do I have unlimited cover for Legal and other Defence costs on my policy? Ours is unlimited and is on top of the main policy indemnity limit of £4,000,000 or £6,000,000. Remember this is significant, as the cost of defending the claim can sometimes equal or exceed the damages award.
Am I covered for wrongful arrest, detention, malicious prosecution, libel or slander arising out of improper conduct by any customer or customers, or any other person or persons (other than employees)?  
Is products liability included? Typically insurers limit their definition to ‘Products Supplied’. Our description of situations and definition of products covered is much more comprehensive and includes services, supply, demonstration, etc.  Where products are sold to your training or event cover client base, product liability is unlimited. Customers who are not normal clients of your training or event cover business, product liability is restricted to a maximum product turnover not exceeding £30,000 pa. A separate policy is required for businesses with a product turnover exceeding £30,000. 
Am I covered for misuse of confidential or restricted information?  
What about loss of reputation – am I covered for that?  
Am I covered if I work abroad for part of the year? Most insurers limit the number of days you can work abroad and the kind of work you can do, they may limit you to ‘business visits’ and ‘non manual employees’.
      With our policy you can work anywhere (except the USA and Canada) with no limit per year for UK domicile / residents.
Is there an excess for me to pay in the event of a claim? We do not apply any policy excess.
I’m self employed, what if I get investigated by the VAT or Tax man? This can occur without warning and although cover is usually offered through your Accountant it can cost anywhere between £60 and over £160. We give it to you FREE when you insure with us.
What about compensation if I am called for Jury Service? What happens if you are self employed and are called for jury service – have you thought about your lost earnings? Our policy covers you for this, whereas typically most insurers do not.

 

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