We've worked closely with members of the valeting and detailing industry to create an exclusive Liability Insurance policy specifically tailored for Valeters and Detailers. With a choice of cover options, we can offer you:
|Public & Products Liability||£2m||£1m||£1m||£1m|
|Employers Liability £10m||optional||optional||optional||optional|
|Damage to Vehicles Being Worked Upon||£100,000||£50,000||x||x|
|Public Liability to attend Shows & Exhibitions||£2m||£1m||x||x|
|Products Liability (Retailing including Online)||£2m||x||x||x|
|Public Liability (Detailing Tuition)||£2m||x||x||x|
Public Liability - this section of the policy offers essential basic protection for you and your business and will indemnify you up £1,000,000 (or higher if required, i.e., £2m, £5m etc) against claims for damage or injury from a Third Party (i.e., another person) or their property because of your negligence for which you are legally liable, such as someone tripping over your hosepipe and breaking their arm. There is no excess in respect of injury, but an excess of £250 applies in respect of damage to third party property.
Products Liability - this indemnifies the policyholder against any claims made against you in respect of injury or damage because of products you have sold or supplied. As the supplier/retailer of a product, your customer will direct any claim against you, however, the Insurers will generally seek recourse from the manufacturer or retailer/wholesaler that supplied the product to you. This cover is for incidental sales in connection with your business such as selling a shampoo or other item to a customer which causes them harm or causes damage. However, our Platinum option also extends to include Products Liability for the retail online (internet) product sales of valeting/detailing/car care products (excluding any goods for export or use in the United States or Canada).
Service Indemnity - this indemnifies the policyholder against the consequential injury, loss or damage as a result of the servicing or upkeep of a vehicle. An example of this would be not tightening up wheel nuts properly after a “wheels off” detail, where a customer drives off, wheel falls off, car crashes etc. and the policyholder’s legal liability in respect of any resultant damage or injury will be indemnified. Another example would be overspill of tyre shine on brake discs causing the brakes to fail. Our Silver, Gold and Platinum options include this cover.
Employers’ Liability - if you employ anyone, even part time or casual, whether you pay them or not, it is a statutory legal requirement that you have Employers Liability in force. This is explained further here - www.hse.gov.uk/pubns/hse40.pdf
Employers’ Liability indemnifies the policyholder against any injury or disease suffered by their employees during their course of employment. Again, the employer must be legally liable for the injury or disease, but it is often the case that courts rule in favour of injured party where employees are concerned. Obviously, you have a duty under health and safety requirements to provide adequate training, protective gear etc to provide a safe working environment for your employees, but a chemical splash to the eye could result in a claim and it will most likely be successful due the employer failing to supply and insist on the wearing of the appropriate protective clothing/goggles. There could be back injuries due to lack of training on lifting procedures, injuries due to improper use of machinery because of insufficient training, the list goes on! This is available as an add on to all cover options.
Damage to Vehicles Worked Upon - liability policies normally carry a specific exclusion about defective workmanship, therefore they will not cover damage to a vehicle whilst you are working upon it, such as buffer hop with a polisher resulting in dents in a bonnet or burning through paint. However, our gold and platinum covers provide an extension which will cover any accidental damage to a customer’s vehicle in the Insured’s custody or control whilst being worked upon up to an indemnity limit (claims cost) of either £50,000 or £100,000. An excess of £500 applies to claims. Selecting this cover provides an added peace of mind should something go wrong and give reassurance to your customer that you have cover in place should you damage their vehicle.
Please contact Coversure Swindon for a copy of the policy booklet for full details of the policy conditions and exclusions, but please note the following which apply specifically to this scheme: