Busy people are increasingly employing domestic staff - cleaners, gardeners, nannies - to simplify their lives. Employing staff and hosting public events bring liabilities: what if someone were injured or had belongings damaged on your property?
Personal Liability covers you for injury or damage you may cause to people or property anywhere in the world (eg: your golf ball strikes and injures somebody, or you injure somebody whilst jet-skiing).
Owners' Liability covers you for injury to people whilst on your property (eg: a member of the public falls over at an event - perhaps a charity day, or whilst your gardens are opened to the public).
Employers' Liability covers you for injury caused to cleaners, gardeners, forestry workers, nannies and other domestic staff.
Case Study:
A gardener slipped and injured himself on private land, and sued the owner for in excess of £50,000.
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