Some covers are voluntary, while others are compulsory and these often raise different issues. Voluntary covers Tenants liability, property owners liability and general public liability insurance for private individuals is generally automatically provided by home building and contents insurance. If a person doesn't have either type of policy it is quite probable that they have no insurance at all. While it is possible to choose your own limit of indemnity, more often than not it is automatically built into the policy. Motor third party property damage is voluntary and limited by the policy whereas third party bodily injury is compulsory and unlimited.
Workers compensation is also compulsory and unlimited.
Professional indemnity insurance is also compulsory for a range of professionals but, unusually for a compulsory type of insurance, no limits are specified. Insofar as scope of cover is concerned, the policy arranged by LawCover is extremely broad and has very few exclusions. Death and bodily injury - this exclusion embraces slips and falls on the premises and also claims for stress, anxiety, nervous shock etc. Make sure you have adequate public liability insurance for your business as well as your home. Discrimination, sexual harassment and employment issues - uninsured.