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Insurance / Cover for Freelance Outdoor Work

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Insurance / Cover for Freelance Outdoor Work
HELP PLEASE!!!


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25/03/09 12:24

176 forum posts

Hi everyone -

You've all always been so helpful in answering previous questions, so here goes...

I have my ML(S), first aid, CRB etc. and have been asked to provide my services for a company running some outdoor training.

When I have done outdoor work in the past, as I understand it, I have been covered under the company's insurance and have therefore never looked at my own cover.

As I am unsure about this particular company's insurance cover, I am investigating the possibility of sorting out my own...

Do I need Public Liability Insurance, or something else instead or as well?

This is not my full time employment, I tend to do this in my "free" time, so would always be looking for the cheapest solution.

Thanks in advance everyone!!

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25/03/09 12:36

3969 forum posts

Simon I think you should contact the company running the outdoor training and get them to include you on their insurance cover. I would also ask to see their insurance cover.

Activity Business Liability Insurance is very expensive. Talk to the Sports Section of Perkins Slade 0121 698 8053 if in doubt.

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25/03/09 12:36

Hi Simon,

This is dead simple.

Contact the MLTA (Mountain Leader Training Association)...

link to their insurance page

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25/03/09 15:36

452 forum posts

2 reviews

Yep bargain through the MLTA!!

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25/03/09 15:40

What I dont get is this.

The MLTA insurance is arranged through Perkins Slade......and is, I think, half the price than if you go to PS direct.......

I know there will be group discounts and it'll be a block policy and all that.....but...

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25/03/09 15:51

452 forum posts

2 reviews

Totally agree i was quoted £267 direct, paid £132. But then again the good lady had her car isurance renewal £312 from churchill, so we shoped around Lloyds TSB quoted £204 for same cover with less excess. When we read the small print it was through churchill!!! All out for the moneY!!!! They play on lazyness

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25/03/09 16:06

3969 forum posts

Simon Barry wrote (see)

What I dont get is this.
The MLTA insurance is arranged through Perkins Slade......and is, I think, half the price than if you go to PS direct.......
I know there will be group discounts and it'll be a block policy and all that.....but...

Simon neither do I. I was paying almost 3 times the amount shown. I wasn't aware this discount was available until you mentioned it recently. A bit annoyed now and of course too late. Perkins Slade has now upped their 5 million to 10 million recently.

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25/03/09 16:15

£5M is, IMHO, the absolute minimum these days - I was selling PL insurance at £5M nearly 20 years ago and if you want any contracts with public sector you will almost certainly be required to have £5M minimum in anycase regardless.

It would be interesting to see how much extra £10M would cost....bet it isnt that miuch

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