Motor Trade
Product Profiles
Legal liabilities - defending legal action
The motor industry is facing an increasingly complex legal environment, with new laws continually being introduced that affect all areas of the business. We provide a range of options for your legal liabilities, so you can ensure your business has the protection it needs.
- Employers' Liability
- Public Liability
- Product Liability
- Commercial Legal Protection
- Professional Indemnity
If you have employees, UK law requires you to have Employers' Liability insurance to cover any injury to them. The cover includes:
- £10 million standard limit on a single claim or series of claims arising from one cause
- Your legal costs if you have to defend prosecutions under UK health and safety legislation
- Cover for employees who are temporarily working overseas
- Work experience and government scheme trainees
This protects you in the event of injury to the public or loss of or damage to their property. This includes items such as obstruction, trespass and wrongful arrest; employees' and visitors' personal belongings; loss or damage to hired or rented premises; and legal costs for defending prosecution under health and safety legislation.
This covers your legal liability for injury or damage to other parties arising from:
- Defects in goods sold or supplied by you
- Defective workmanship performed by you on their vehicles
This includes solicitors fees, all costs and litigation expenses, damage and claimants costs for which you would be legally liable
It also covers your legal liability for any compensation you are required to pay if goods you sell are not of acceptable quality or fit for the purpose for which they are supplied up to £250,000 in any one period of insurance
The standard basis of cover provides:
- Employment Disputes and Compensation awards
- Legal Defence
- Property Protection
- Bodily Injury
- Tax Protection
Optional extensions available for:
- Contract Disputes
- Debt Recovery
- Tenancy Disputes
- Statutory Licence Protection
- Defence of a disciplinary hearing brought about by a professional body against you or an employee
Key Benefits:
- Wide cover incorporating all existing and future employment legislation
- There are no waiting periods, so cover will be operative immediately
- Access to legal advice 24 hours a day and an online human resources manual
- Choice of indemnity limits
Optional cover available to include the defence of a disciplinary hearing brought by a professional body.
This covers you for civil liability arising from a negligent act or omission committed by you in relation to insurance mediation activities.
We are able to provide limits of indemnity up to £5,000,000.
You must be authorised by the Financial Services Authority to take this cover.
This cover includes:
Cost incurred in the investigation, defence or settlement of a claim.
Exclusions
Motor Trade insurance is subject to certain exclusions, a summary of which can be found in the Motor Trade prospectus.
