Public Liability Insurance

Public Liability Insurance will protect you against claims where injury or death has been suffered by third parties, and claims where you are alleged to be responsible for damage to third party property.

If you are providing your services in an office environment and do not undertake any manual work (e.g. involving tools), your exposure to the type of claims covered under a Public Liability policy are inevitably low.  With this in mind, Qdos are able to offer appropriately priced policies that will allow you to meet your statutory and/or contractual obligations.

Offshore and Energy Sector Contractors

The offshore working environment is highly specialised and, consequentially, many insurers choose to avoid offering cover to those providing services in such locations.  Qdos has worked hard to understand the risks associated with offshore work and are able to offer Public Liability to a wide variety of self-employed workers (including those providing rope access services) at highly competitive rates.

What Does It Cover?

Public Liability Insurance will react in circumstances where a third party (an individual person, or a corporate entity) brings legal action against you in respect of physical injury, or damage to property, caused by you in the course of your business.

If someone tries to claim you have damaged their property or physically injured them in the course of your work, a Public Liability policy is designed to defend your case and, if necessary, pay the damages owed.

Please note that there is a SEK4,700 excess for any one claim applicable to Public Liability Insurance.

Do I Need It?

Public Liability Insurance is not legally required, however, is commonly stipulated as a contractual requirement, especially for offshore workers.

Insurer details

This insurance is provided by HCC International Insurance Company PLC, with registered office at 1 Aldgate, London, EC3N 1RE, United Kingdom.

HCC International Insurance Company PLC is authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and the Financial Conduct Authority (FCA) of the United Kingdom.  HCC International Insurance Company PLC acts by way of its branch in Spain, with registered offices at Torre Diagonal Mar, Josep Plà 2, 10th Floor, 08019 Barcelona, Spain.

Policyholders may communicate with the Insurer in English, French or Dutch.

Claims notification information and the Insurer's complaints procedure can be found within the policy documentation.

Insurance Premium Tax

The annual premium applicable for your insurance policy shall be quoted by Qdos inclusive of Insurance Premium Tax.  In Sweden the Insurance Premium Tax rate is 0%.