Drivers Negligence Insurance
Specialist insurance coverage for recruitment and staffing agencies that supply drivers. Essential protection against driver negligence claims and often a mandatory contract requirement.
This specialist insurance is crucial for recruitment and staffing agencies that supply drivers, especially HGV and van drivers. It's often a mandatory requirement in contracts with clients.
What it Does
Essentially, it's an extension to the Public Liability insurance that covers accidental damage to a client's vehicle, caused by a driver supplied by the agency.
This product offering is niche to a recruitment insurance policy or an umbrella/payroll company insurance policy and as such, is only available via certain markets.
It specifically addresses situations where a driver's negligence results in damage to the vehicle they are operating.
Key Features
Per Claim Coverage
Coverage is provided on a "per claim" basis, typically with a maximum payout per incident (e.g. £5,000, £10,000, or £25,000).
Annual Limits
Annual limit (aggregate) on the total amount the policy will pay out for all claims during the year, generally £30,000 or £50,000.
Driver Conditions
Certain conditions apply including driving experience, age, type of vehicle covered, and restrictions on conviction codes.
Exclusions
Inappropriate activities are not covered, such as racing, pace-making or speed testing. Policy wordings vary between insurers.
Important: Policy wordings will vary from insurer to insurer so it is important that you note the conditions noted on your policy and respective exclusions. If in doubt, speak to a specialist broker.
Cost Factors
The price of this insurance varies based on several factors, including:
In Summary
Drivers Negligence Insurance provides vital financial protection for recruitment agencies against the risks associated with supplying drivers to clients. The cover is a requirement of third-parties, which aims to protect their motor fleet insurance.
Important Notice
You must seek insurance and/or advice from an FCA regulated entity. Intro Hero only note the covers and/or products available and make introductions accordingly to suitably qualified and/or regulated entities. The contents of this website are for illustrative purposes only.
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