Liability Insurance

Re: Liability Insurance

Anthony Todd — Thu, 14 Apr 2011 10:09:02 GMT

All very good advice so far but ..... go compare; there are a few brokers that specialise in vets and do comprehensive policies.

PPS is one but google is your easy assistant.

Re: Liability Insurance

Laurence Webb — Wed, 13 Apr 2011 21:13:29 GMT

[quote user="Evelyn Barbour-Hill"]Then you will need short-term sickness insurance - usually termed "absence" or "locum" insurance - believe me, you will bless it if you break a bit of yourself.[/quote]Ah yes, that does happen (he says sitting with foot elevated due to fractured calcaneous)

Re: Liability Insurance

Julie Innes — Wed, 13 Apr 2011 19:21:28 GMT

Thanks all- that is really useful! I will look at all suggestions

Re: Liability Insurance

Martin Atkinson — Wed, 13 Apr 2011 12:49:36 GMT

I would recommend Keith Dickenson as a broker although he's now trading under either VIA or Shire Insurance - I get a bit confused about it these days but don't confuse him with Dickenson's General Insurance which was taken over by Towergate MIA. But apart from employer's and public liability insurance being pretty well mandatory, take caution from the fact that a little old lady slipped on a slightly uneven bit of my driveway and so far her fractured hip is worth £110,000 and rising!

Re: Liability Insurance

Ian Mostyn — Wed, 13 Apr 2011 09:37:42 GMT

Try Towergate or PPS for an alternative quote to Lloyd & White. I get quotes for all three of them and have changed over the years - double check it is like-for-like. Some give ridiculously high levels of business interruption etc that you may not need yet. They did me much cheaper buildings insurance as well, rather than going with someone like Directline.

Ian

Re: Liability Insurance

Alan Tevendale — Wed, 13 Apr 2011 08:34:13 GMT

Definately agree with Evelyn on pretty much everything he said. Might be worth getting a independant financial advisor to take a lot of the hassle out of all the organising out of it for you. I've always used Dickinsons Financial specifically Alastair Henderson. He's always been very up front with me and sorted out good insurance options for me.

Re: Liability Insurance

Julie Innes — Wed, 13 Apr 2011 00:07:00 GMT

Thanks for that, Evelyn! It is all a bit of a minefield! I have organised VDS cover, and looked into illness cover, but the rest is a mystery to me

There is just so much to get done at the moment- when I'm not down there painting and laying flooring, I am on the phone (sometimes at the same time!) to a huge variety of people, so good to have a starting point with the insurance! I have an internal insuring lease only for the building, and I believe my landlord organises that and I pay the relevant proportion, but the other insurances I haven't got to grips with yet- will follow your suggestions in the morning.

Re: Liability Insurance

Evelyn Barbour-Hill — Tue, 12 Apr 2011 23:57:35 GMT

Join BVA, get Lloyd and Whyte, sorted.

It's usual to get a practice insurance package - which will include almost everything you need - and the broker will advise. For some reason you need to get pressure vessel (i.e. autoclave) insurance separately - I think.

Then you will need short-term sickness insurance - usually termed "absence" or "locum" insurance - believe me, you will bless it if you break a bit of yourself.

Make sure you get insurance for accountant's fees for tax investigation - usually a cheap add-on - you really need this.

Also get at least a bit of Permanent Health Insurance in case something happens and you are crippled for life.

VDS for professional indemnity of course.

Insurance always looks an awful lot of money when you write the cheques, but you can't afford to be without it.