| Takeaways can face insurance claims for many | | | | where your commercial legal expenses insurance falls |
| different reasons, hence the reason that most have | | | | into this. You may think that your public, products |
| a valid takeaway insurance policy in force. | | | | and employers liability cover will pay out for most |
| There are various different policies available, many | | | | eventualities. |
| that offer the same skeleton or basic cover. The | | | | If an employee is injured, you would make a claim |
| main denominator between the insurers is, as with | | | | under the employers liability cover, if this happened |
| most products, price. But, this is no, and should not | | | | during the course of their work and you have been |
| be the only thing that makes the difference between | | | | negligent. But, what if that same employee takes you |
| one product and another. A BMW, Audi or Lexus will | | | | to an employment tribunal? No-one suffered an |
| cost you more than a Kia, Hyundai or Ford. The | | | | accident at work, but there will be large legal fees to |
| reason for the difference is the quality and what the | | | | pay. This is where your commercial legal expenses |
| brand stands for. | | | | insurance kicks in. |
| It is the same with your business insurance policies, | | | | Although the post says do you need this as a |
| there is a price differential and usually, this is because | | | | takeaway owner (which you do) it is the same story |
| there is a corresponding cover differential. You only | | | | for every single type of business that has |
| get what you pay for is very, very true for your | | | | employees. However well you get on with your |
| insurance, particularly when faced with a claim. | | | | employee, there is always the potential that this |
| You are faced with choosing between quote A at | | | | relationship will become soured at some point, for |
| £650 per year and quote B at £700, so which one | | | | reasons that may, or may not exist. |
| do you choose? The one with the better cover of | | | | We are not saying that all employees that take their |
| course. This does not necessarily mean though that | | | | employers to a tribunal are making this up. What we |
| the cheaper one is the worse product. Many insurers | | | | are saying is that the onus falls squarely on the |
| of takeaways and restaurants, who operate at the | | | | employers shoulders to be able to disprove their |
| cheaper end of the scale, are now offering | | | | allegations. Without some form of legal advice and |
| commercial legal expenses insurance in their packages. | | | | help in this process, you can rapidly find yourself on |
| Whilst the polices that are too cheap are sometimes | | | | the receiving end of a judgement in your employee |
| not worth buying, it does not always follow that you | | | | (or ex-employees) favour. This is going to cost you, |
| should ignore your cheapest quote. | | | | in addition to the legal fees, potentially thousands and |
| Public liability insurance will pay if someone is injured | | | | thousands of pounds. |
| on your premises. Part of the claims settlement also | | | | If the option is there to take the commercial legal |
| includes all legal costs and fees in defending an action | | | | expenses, make sure that you go for it. |
| against you. It is difficult sometimes to understand | | | | |