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Do I need liability insurance?

18th March 2004, Page 44
18th March 2004
Page 44
Page 44, 18th March 2004 — Do I need liability insurance?
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Which of the following most accurately describes the problem?

I hire myself out as an HGV driver and have set myself up as a driver agency, of which I am the only employee. Do! need public liability insurance,even though my clients have it for injuries to the public and third parties?

[am covered by my clients' insurance for Jecidents to the vehicle.

Peter Burke Scunthorpe, N Lincs Insurance is designed to offer peace of mind and minimise exposure to risk. For this reason it would be prudent to obtain your own insurance as aback-up. What if the company who retains you has not paid its premiums and its pokey is void? This could leave you personally exposed if you were at fault for an accident.

The stress of litigation should not be underestimated and this would be increased without insurance cover. Speak with your broker to ensure an uninterrupted night's sleep.

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