Today, we launch our travel insurance products for archaeologists!

Today, we launch our travel insurance products for archaeologists! 

Many travel products will not cover you for excavation and survey work while abroad – you will often find that ‘manual labour’ is excluded from cover – and this would include archaeological work.

We have teamed up with “nowicantravel” to provide cover for “manual labour” as standard.

 

 Whether you are off on a 12 month backpacking trip and join an excavation for a couple of weeks in Peru or you’re off to France for a 2 week survey – you will be covered.

For single trips, cover can be bought by the day – going as low as £4.22 for a 2 day trip to Europe.

We also have a ‘cruise’ travel insurance product as well as a skiing policy.

 

Because of some of the work we do with the Disabled Students Association, we also provide cover for individuals who may normally find it difficult to get travel insurance – whether because of pre-existing medical conditions or age, we should be able to get you insured.

Finally, we can also offer group discounts on annual and single trip policies.

Click here to get a quote

       

Call me to discuss your insurance needs on 0208 2550617 / 07768 865983

Email quote@archaeology-insurance.co.uk

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Insurance for your business premises and contents

What is Buildings and Contents Insurance?

Buildings insurance covers the cost of repairing damage to the structure of your property – resulting from standard and listed perils.  This includes damage to the roof, walls, ceilings, floors, doors and windows.  Outdoor structures such as garages, outbuildings and annexes, at the insured location and which belong to you or for which you are legally responsible are also covered.  The cover can include:

Read more...

Storing equipment on-site in a locked shed?

Perhaps worth looking at a PIR (motion) activtated camera that will text/e-mail the pictures to you.  You can then 'hot-foot' to site and make sure that your equipment is safe!

On activation the camera will text or e-mail images to your phone or computer. This system will give you pictures of anyone who is up to no-good within seconds of setting off the camera.

Colour pictures/ Video /night vision pictures.

Up to 4 mobile numbers and 4 email addresses at one time.

It runs on AA batteries and requires a 'pay as you go' or contract mobile phone sim card.

It is quite pricey at £299.99, but it could save you that amount on your premium in the first year!  Call me to discuss on 2028 2550617 or email quote@archaeology-insurance.co.uk

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Understanding Liability Insurance

Public Liability Insurance

Public Liability Insurance covers against any legal liabilities arising from any bodily injury or property damage caused by you to a third party.  Like Professional Indemnity insurance, it is not mandatory for archaeologists to have Public Liability Insurance.

However, legal costs and compensation payments can be very large if, for example a member of the public were to die or become injured as a result of your work / activities.  Think of the fees, the costs and the expenses incurred during a coroner’s inquest, for example.  Again, you will do your very best to make sure that such serious accidents do not occur during the course of your work, but again, mistakes can be made – so it is a good idea to have Public Liability Insurance to protect you and your business.  Slips and trips don’t sound very serious, but they could kill your business.

Again, think about the sort of level of cover you need in terms of the maximum claim which could be made against your business.  Do large numbers of people visit your ‘attraction’? Heritage sites can be very busy and potentially dangerous. 

Products Liability

Products Liability might not apply to your business if you are not selling, manufacturing or designing goods for sale.  But if you are, claims for injury as a result of what could be perceived to be faulty or defective goods bought from you would again be costly.  Often Products Liability is provided along with Public Liability for no additional cost.

Employers’ Liability Insurance

Employers’ Liability Insurance is mandatory.  If you employ people (including volunteers) you must have at least £5m of cover and you must display your Employers’ Liability Insurance Certificate at the location where you employ people.  Again, you are covering legal fees and costs arising from slips and trips – even disease and death arising from your work.

What is required for a Professional Indemnity Insurance quote?

Professional Indemnity Insurance is priced according to the insurer's perception of the risk!  In order to ascertain this there is usually a proposal form which will ask some fairly standard questions including:

• Last year's turnover
• Predicted turnover for the coming year
• Details of the qualifications and experience of your principal staff
• Turnover by territory if working outside of the UK
• Total wageroll cost
• Wageroll split according to clerical and manual workers
• Names of your largest 3 clients and the value to you of their contracts 

You will  be asked to provide a full description of your business activities and examples of client contracts may be requested.  Your compliance with things like the Health and Safety at Work act will be tested and you could be asked to provide copies of risk assessments where hazardous activities are undertaken.

Of course, we will assist you in providing all of the required information and indeed, we will already have access to some of it though researching your website, viewing your premises on Google Earth and by researching your business at Companies House - so the onus is not all on you!

If you would like to receive a copy of our standard PI proposal form so that you can be sure that you gathering the right information, please get in touch and we can email it to you!

Call me to discuss on 02082550617 / 07768 865983.

http://www.archaeology-insurance.co.uk/

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