Yes, you would need to inform us. The policy defines Employees as including “any person engaged under a work experience, youth training or similar scheme”.

Employers’ Liability insurance is a legal requirement if you employ anyone, and the policy states that you must undertake to supply full details of your company and all subsidiary companies at inception of the insurance and promptly thereafter following acquisition or disposal of any subsidiary company.

Yes, if your equipment is stored inside your home, in your buildings, then cover is permitted, our insurance also covers theft from unattended vehicles, but with specific conditions. For items inside the vehicle, it must be secured with all factory-fitted locks and alarms, and keys removed. It must be garaged in a locked building or parked in a secure compound. There are also restrictions on theft from “Unsecure Locations”, which include driveways and public or private roads.