Where can I find out who insures a business?

htrj

Hi,

Is there anyone or anywhere that could tell me who provides the insurance for a certain business premises?

I ask as the manager claims that as I am not conducting any business with them I would not be insured in the event of an accident on the premises. That said, I have a right of way across the premises and can't understand how an insurance policy would only cover me on that right of way and nowhere else on the premises. It just seems like an unnecessary clause.

In short, I am aware the manager is talking "poppycock" but I would like to be able to throw his policy at him.

InsideInsurance

What class of insurance are you asking about Public Liability or Employers Liability?

There is no way for you to find the PL cover, they dont even legally have to have any in almost all cases.

If they have employees that arent close family then they do have to have EL and display the certificate however this can be in a staff only area. Even then, you can only see who the insurer is and not what the specific terms of the policy are. Depending on the size of the company these may be bespoke to them.

I am however confused about the circumstances and what you are trying to achieve. It may be better if you can clarify that.

societys_child

Not sure you'd have a right to know who insures the business unless you got flattened by a forklift truck or an HGV reversing onto a loading dock and wanted to claim.
Of course if you were wondering around aimlessly in an area you shouldn't, you may find out the manager is correct . . .

htrj

Well, I was thinking about PL. I own a neighbouring property which has the benefit of a right of way across the business premises.

The manager claims that I am not insured to be on their property but I can't understand how or why the insurer would differentiate between me being insured on the right of way but not if I was anywhere else on the premises.

Does that make it any clearer?

societys_child

Perhaps because you are entitled to use the RoW but have no rights to be anywhere else on the premises?

You haven't responded to the last paragraph of post #2.

htrj

In a nut shell, for years I have been walking across the area of this establishment that is open to patrons and is not part of the RoW.

The manager has recently asked me not to walk through there on the grounds that I would not be insured in the event of an accident. I have a much larger complaint against the business which I dont need to go into detail here but it is giving him a lot of grief and I suspect that this request is more to do with him being petty than it is a statement of fact. I would have liked to be sure of that though.

rs65

htrj wrote: »

Well, I was thinking about PL.

PL doesn't insure you - it insures the business for injury to third parties or damage to third party property.

So if he says that you would not be insured on the premises, he is technically correct.

He should have an EL certificate somewhere on display. There is every chance that the EL and PL insurers are the same company.

Although, I'm not sure what you intend to do with the name of insurer once you have it.

InsideInsurance

htrj wrote: »

Well, I was thinking about PL. I own a neighbouring property which has the benefit of a right of way across the business premises.

The manager claims that I am not insured to be on their property but I can't understand how or why the insurer would differentiate between me being insured on the right of way but not if I was anywhere else on the premises.

What does it matter if you are insured or not? I would be surprised if a PL excluded it but even if it does it just means that they remain liable for the injury rather than being able to pass it to their insurers to deal with it.

There is no way of forcing them to reveal who their PL insurers are. There is a fair chance its their EL provider assuming they are an SME but most insurers have dozens of wordings depending on the distribution channel etc

eddddy

It sounds like the manager is asking (telling) you to only walk along your right of way, and not walk across other parts of his property.

On the face of it, that seems like a perfectly reasonable and legal request - although perhaps there are other factors.

As InsideInsurance says, the insurance policy isn't really the key factor. But if the manager has explicitly told you that you should not enter an area, that may be a defence if you later get injured by an accident in that area, for example.