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No house, No car, No work.
Where the first call after an for rail workers, that a service these insurances”, has failed to Limit of Indemnity
accident is often to a solicitor, provider/agency can offer do so and has failed to inform The minimum limit of this
Public Liability Insurance is generic group insurance to its own insurers of its prac- Rail Worker facility is £5m
essential cover for any effectively cover all disciplines tices, duty of care dictates the and is in line with Network
business regardless of size. of its clients, let alone those in agency’s own insurer can with- Rail liability limits.
As a Contractor and a busi- the rail sector, effectively leav- draw the agency cover. Dependant on circumstance
ness owner, you have a legal ing the contractor uninsured The agency and its directors you may also require other
responsibility towards your on policy exclusions. are now un-insured and liable insurances.
customers, clients and the In the majority of trades / ser- for the claim. For further information
public. Public liability vice sectors the company Simple solution – ensure your please contact us at:
Insurance provides cover for /individual is required to pro- contract staff carry suitable
claims made against a busi- vide evidence they are suitably insurances.
ness, if its owners, directors or insured before being allowed
employees are shown to be on site. Given the cost of rolling
responsible for third party per- stock and associated infras-
With Public Liability Insurance the Without Public Liability Insurance
sonal injury or damage to tructure assets in an industry
process is simple. the process is not quite so straight
property. that primarily serves the pub- forward.
You can be held legally liable lic, we find it unusual no such
and risk being sued if a mem- requirements are currently in
A claim is made. A claim is made.
ber of the public is injured or place for contractors to carry
property is damaged as a result their own Public Liability insur- You pass the claim on to your You find your own Solicitor.
of your negligence or breach of ance.
insurance brokers.
duty. If you are a contractor Simply - having car insurance
You provide your insurers with You provide the Solicitor with
and do not hold suitable Public will not help if your house is on
claim information. information, pay engagement
Liability Insurance, you are fire.
Rail boss
strongly advised to take action
You carry on working. You continue to pay the
now. Agency
solicitors costs and may lose the
As a recruitment or labour contract you are working on. joins Obama
What else should I know? supply business you undertake
The insurance company deals You are now aware of financial
Every issued contract to supply suitably insured staff
with the legal complexities. cost to you, should you lose.
requires that you, the contrac- to your clients. Where a claim
tor carry suitable insurances is made against an un-insured
If the claim is found against you If you lose you pay compensation
Jane Garvey, a member of the like to thank Jane Garvey for
for works you undertake. contractor supplied by an
(you lose) the insurance company / damages and legal costs.
Board of Directors at her sound advice and guidance
pays the compensation / damages
Where you use an Umbrella agency, insurers may look to
/ legal costs.
Bombardier, is stepping down during her tenure. We wish her
company you need to satisfy place the liability with the to join U.S. President-elect great success.
yourself they legally provide agency.
You are relieved to carry suitable The Courts may force you to sell
Barack Obama’s transition Barack Obama has indicated
insurances. your house and car to cover
suitable cover on your behalf. Where agency contract terms
compensation and legal costs.
team. support for railways and backs
We find it remarkable, con- state “the contractor will carry Bombardier chairman the building of a series of high
sidering the premiums associ- suitable insurances/the agency
* If a personal injury compensation claim is successful, you may also face
Laurent Beaudoin said, ‘I would speed lines in the States.
ated with contingent liabilities reserves the right to check
a claim from the NHS for the costs of hospital treatment (including
ambulance costs).
As a railway contractor you have
a legal and contractual obligation
to hold valid insurance cover.
Bond Insurance Services Ltd offer the only insurance designed
by and for rail industry contractors. At nearly a third of the price of
competitors, and with the backing of one of the largest rail insurers
in the market, it’s peace of mind that you can’t afford to do without.
For information, instant quotations and
policy purchase please visit us at
Bond Insurance
Agency contact: Bond Insurance Services Ltd. Elaine Southwell ph. 01707 291 200/232
Railway Scheme
Bond Insurance Services Ltd is authorized and regulated by the Financial Services Authority, FSA reg no. 453372
December 2008 | RailStaff | 9
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