Most Public Liability and Professional Indemnity policies exclude cover for fines and penalties.
You need to ensure that your entire business is covered against potential statutory fines and penalties. Big civil fines are imposed by Governments for non-compliance in wide ranging areas of law, from Environmental Law to Occupational Health & Safety and Employment Practices law.
A simple, cost-effective extension to your public liability policy can protect you from these financial risks. The additional cover needs no extra underwriting and no new policy documents, making the cover cost effective with a nil deductible on all claims.
Not only does a Statutory Liability extension protect you from financial loss hat could cripple or close your business, it also provides for expert legal assistance in defending civil fine actions.
For most small to medium businesses the time and cost of responding to legal action is just not recoverable. The Statutory Liability extension helps to manage that risk, freeing you to focus on your business.
Note that any breach (of legislation) must not constitute intentional, deliberate, dishonest, fraudulent or malicious acts, including acts of gross negligence or recklessness.