Public Liability

NEWS FLASH !
WE NOW PROVIDE INSURANCE COVER FOR THE DEATH OF ANY ANIMAL OR ANIMALS IN YOUR ALPACA or LLAMA HERD CAUSED BY TB.

Lost City Insurance supports

British Camelids Association (BCA)
The British Camelids Association is a registered charity which was established in 1987 to promote the welfare of camelids and good husbandry practice in the UK amongst alpaca and llama breeders. We will make donations each year to the BCA from our profits.

Public Liability Cover

Accidents happen when you least expect it …………………

When you take your alpacas or llamas for shows or events a simple accident occur causing harm or damage to other people or their property at the show.

What about that Open Day at your farm where a visitor trips on a bucket and is hurt ?

Or if there is a public right of way through your land where some bystander walking by with or without your permission to admire your alpacas is injured?

So what is Public Liability Cover?
Public liability cover will protect you against your legal liability for injury or illness to third parties (other than employees) and for damage to their property caused by your animals on your land or elsewhere (such as in a show ground) up to a limit of £5,000,000. This will generally include your legal costs should the accident result in litigation.

Employers Liability Cover

To look after your herd takes time and effort. Feeding, vaccinations, vitamin A, D and E injections …….not to mention cleaning the fields! If you get help whether it be from a part time employee or a friend who likes to muck out in the weekend you need to ensure that you can protect them and yourself against any accident that can occur causing injury.

So what is Employers Liability Insurance?
Employers Liability Insurance provides covers if an employee is injured on your land whilst carrying out his/her duties up to a limit of £10,000,000. This sum is inclusive of legal fees should a claim result in litigation.

All employers must take out this type of insurance, although there are a few exemptions
such as

If you are the sole employee of your limited company and also own at least 50% of the share capital in the company); OR
If you are a sole trader and do not employ anyone (or you only employ close family members)

However, if you occasionally hire staff or use temps or seasonal workers, you must take out insurance.

We are LOST CITY ADVISORY SERVICES a trading style of REORIENT LEGAL LIMITED (DPB Registration No. LS 426547) who are regulated by the Solicitors Regulation Authority and are included on the register maintained by the Financial Services Authority so that we can carry on insurance mediation activity, which is broadly the advising on, selling and administration of insurance contracts. The register can be accessed via the Financial Services Authority website at www.fsa.gov.uk/register. Our reference number in the FSA Register is LS 426547.