Public Liability or Professional Indemnity Insurance?

Rising Star Joined: Apr 27, 2005 Posts: 56

I need some guidance here.

As you know I've recently started my own company dealing with Security Officer Training and I know I need insurance, but here's the thing....

Do I go for

As a company that offer training services (have you ever tried to find this category in the insurance quote lists? - not easy) we are directly involved with the client staff and indirectly with members of the public.

Indirectly meaning that the information and skills we transfer to the clients staff is directly relayed through action to the public.

I don't want to contact an insurance company for advise as I know I will be sold a policy which is "tailor made" to my requirements but will probably not be worth the paper it's written on.

Can anyone help please and give a recommendation?

Forum Addict Joined: Apr 28, 2004 Posts: 122

have everyone sign a disclaimer stating you are not responsible in any way shape or form for actions and their consequences arising from the use or misuse of information or skills passed to those you train.

at the end of the day no matter how well you train someone, someone will eventually screw up and possibly try to blame you. theres your getout.

Rising Star Joined: Apr 27, 2005 Posts: 56

I already have disclaimers built into my training agreements but I'm still required to have insurance of some sort which covers me for a minimum of £5million through my actions whether directly or indirectly.

These insurances costs as little as £75 per year, but I need to know which is best suited to my company.

Thanks anyway.

Forum Addict Joined: Apr 28, 2004 Posts: 122

oh ok i didnt know you actually NEEDED it for training.

i guess you might just ask an isurance company? if they want your business they will find out for you quick enough Laughing

Rising Star Joined: Apr 27, 2005 Posts: 56

Yes Spooky,

It's a pre-requisite from SITO to register as approved trainer and to become an associate trainer.

I would normaly ask an insurance company, but I think they would either try to sell me a policy which is way above my needs or to try and sell both Confused

Will carry on looking around I think. Thanks anyway Very Happy

Posted: Tue May 10, 2005 11:34 am

I have an idea that might save you some work here.
Have a word with Rob McHarg from Training For Success Ltd (you can find their link from the supporters section) just tell him I suggested you contact him and he will be only too happy to help you.