business insurance

[drmo]

i want to take out public liability and employers liability insurance for my business which does VJ / interactive installation work as a self employed sole trader (UK)

anyone know exactly what i need and who is a good insurance company for that?

[mashie niblick]

Try djguard and/or towergate

vj mashie

mashie.tv (http://mashie.tv)

[6071842]

djgaurd is who everyone seems to be with :D me too!

[sleepytom]

I'd recommend joining BECTU - you get public liability as part of the package, sole traders don't need employers liability (you don't employ anyone). Being part of a union has other benefits too such as access to legal advice and support should you find yourself in a difficult position.

DJGuard have failed to pay out claims to several people, i'd be wary of them.

[MrJustin]

Yeah the wording of DJguard's policy concerned me when i was looking through it. seems they've left themselves quite a number of avenues to avoid paying claims in certain situations.

[deepvisual]

I'm with photoguard - but it did take them 6 months to pay up when my computer & camera got knicked

[deepvisual]

I'd recommend joining BECTU - you get public liability as part of the package, .

yeah but... last time I checked it cost 8% or your income to be a member.. which makes sense if you are on a salary.. I doubt many VJs will benefit.

[videoswitchboard]

I'm with photoguard - but it did take them 6 months to pay up when my computer & camera got knicked

I'm with them too- have had several claims answered more or less succesfully.
make sure that you only insure your computer with them if it's under 4 years old (http://vjforums.com/showthread.php?t=24023)

[deepvisual]

I'm with photoguard - but it did take them 6 months to pay up when my computer & camera got knicked

and its now taking them over 6 months to pay up for damage done to another camera...

[techy2009]

Public Liability Insurance and Employers Liability Insurance
are two different things.

Public Liability Insurance covers your business when it comes into contact with clients or members of the public. But, Employers Liability Insurance
covers you if you have employees working for you, you are legally obliged to have employers’ liability insurance.

I suggest, you seek professional advice. Recently I bought a Employers Liability Insurance policy from http://www.constructaquote.com/liability-insurance/employer.aspx and am quite happy about their price and services.

Its worth checking with them.

If you need any more info, feel free to contact me.

Thanks.

[sleepytom]

Most VJs don't have employees - freelancers working for you on an occasional basis are not employees.

But then you probably know that given you work for an insurance company?

[deepvisual]

spam methinks...

[deepvisual]

and its now taking them over 6 months to pay up for damage done to another camera...

make that 8 months,- I'm still waiting 10 weeks after they agreed to pay.

[deepvisual]

ha - JLT/photoguard finally agreed to pay up.
but the cheque they sent never arrived...
what a surprise.
an even bigger surprise was the sudden rise in the excess from 250 to 500.