First aider insurance
Our specialist first aider insurance offers expert cover to first aid professionals and trainers for a whole host of risks.
Even when acting with the best of intentions, mistakes can happen while treating someone. Accusations of misconduct or further injury caused by the first aid administered are becoming increasingly common. Our first aider insurance can cover you for such instances, as well as other risks to your employees and office.
Unlike many schemes that offer a ‘one size fits all’ policy for first aiders, we can help you tailor your policy to your business' individual needs. Our simple quote system will ask about your business activities and offers you covers that may be of interest. You can choose to buy all or just some of the covers quoted, so you will only ever pay for the cover you need.
Build a tailored first aider insurance policy with these covers
Professional indemnity insurance
covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you. This cover is essential for first aid professionals, and insurance is available with limits ranging from £50,000 to £5m.
Public and product liability insurance
covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If you regularly come into contact with members of the public, this cover is vital insurance for your business. Limits range from £1m to £5m.
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If your business has employees, including part time staff, you need this cover. Cover for £10m.
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
We offer specialist insurance for home based first aiders
Home based first aiders are not immune to risks. Our specialist homeworker insurance policy is designed to cover the risks facing first aid professionals working from home. Home insurance policies rarely include cover for home based businesses, so to prevent any gaps in cover, be sure to choose a specialist homeworker policy that will comprehensively cover your business.
Our first aider homeworkers policy can be tailored to include only the insurance you want, with a range of liability covers available and the option of insuring vital business equipment you own.
You can cover your business from as little as £5/month, with the option of spreading the cost of your premium over 10 interest free instalments.