If you’re self-employed, chances are that you’re going to need to get yourself some liability insurance if your work either involves dealing with members of the public or employing staff. So, unless your business consists of you sitting at home all day banging away at a keyboard with little or no interaction with other people, you’ll need to get some insurance cover in place.
Why? If you don’t have liability insurance in place and you end up doing somebody an injury while carrying out your work, they could take 100% ‘no win, no fee’ personal injury action against you with the aid of a top law firm. If you didn’t have cover in place, you would have to meet any damages awarded against you from your own pocket. If you injure somebody seriously, you could be looking at a very substantial sum indeed.
Even a relatively small claim could spell disaster for your business without insurance if you were just starting up or going through a lean period. Having to come up with a few grand plus expenses to cover a personal injury claim brought against you by an injured party’s law firm could be a complete nightmare.
Imagine that you worked as builder and were responsible for a section of wall falling onto one of your clients. Liability insurance would most likely cover any compensation that was awarded against you, bar perhaps a small excess, but if you were not covered, you would have to meet damages from your own pocket.
Perhaps you work as a mobile DJ. If your speakers were to fall on somebody after you set them up, you could be looking at some form of 100% no win, no fee personal injury action. Again, depending on the severity of your injuries, you could be looking at having to meet a compensation pay-out of four of five figures in size. Liability insurance will cost you money, but most likely a fraction of the cost of having fight action in court.
Looking for a law firm in Ealing?
If a member of your staff or a member of the public were to be injured as a result of your negligent actions while you had your business hat on, all they would need to do to get the personal injury compensation claim ball rolling would be to call Accident Advice Helpline free on 0800 689 0500 or 0333 500 0993 from a mobile phone to find out if it might be able to offer them legal assistance.
Although Accident Advice Helpline do not have access to a local law firm in Ealing they can still represent you and your claim. This is because they are a national law firm that works across the whole of the UK. So if you are searching for a law firm in Ealing or anywhere else look no further than this expert service.
Date Published: 26th July 2014
Author: David Brown