The past week I’ve been overloaded with explanation requests about indemnity insurance, and since most of my clients came to me using the Web as a means of communication, it’s the Web I’m going to use to answer said questions, through my blog.

1. what is professional indemnity insurance?

Indemnity insurance is a type of insurance which aims at protecting customers from potential accidents taking place at work, during their everyday services. In case it’s the business or employer they work for (as well as another employee) to cause harm, because of negligent acts, the insurance will force it to pay high fees to compensate the victim.

2. how should I know if an employer is negligent or not and avoid the harm?

Well, since nobody can foresee the future of read people’s minds, the only thing you can do is getting clear explanations of your employer’s care to his/her employees prior to getting the job. If you feel that working for that particular business is going to bring potential harm to you, then simply don’t apply for the job.

3. what happens to my employer if I loose an arm or die because of negligence at work?

If you lost an arm or died because of your employer’s negligence, the survival of the business itself is put under serious threat, which is only right: would you keep someone run a business if he let all of his workers die or loose a part of their bodies?