Finance

Liability Insurance

Where can I find details of the University Liability Insurances?

A copy of the current Certificate of Employers Liability Insurance, Public Liability To whom it may concern letter and Professional Indemnity to whom it may concern letter can be downloaded below:

Certificate of Employers' Liability Insurance

Public Liability - To whom it may concern letter

Professional Indemnity – To whom it may concern letter

The University provides insurance to cover its employees during their normal course of employment:

What happens if someone claims that they have sustained loss or injury as a result of work that I have done?

If that person is a member of the public, then the claim is a matter for our Public Liability insurance, and if the damage occurred as a result of a product that the University supplied, then this is a matter for our Products Liability insurance. 

If an accident or dangerous Occurrence occurs it is essential that the University Health and Safety Department are advised.  Detail of how the report these types of incidents can be found on the Health and Safety web-site:

Any communications received from  third parties relating to claims or possible claims against the University must be  forwarded unanswered to the University Insurance Officer Immediately. It is It is imperative that no action is taken which could be construed as an admission of liability, therefore staff must not contact the third party or their legal representatives.

I am exhibiting at an external event and the organiser has asked for details of my Public Liability Insurance.  What do I tell them?

Sometimes organisations who like to check that the host establishment carries adequate insurance and ask for details of this.  Please click here to download a liability letter.

If you need to complete a form asking for insurance details that includes a disclaimer that you need to sign, it would be wise to check the wording with the Insurance Officer before you sign it.

It is essential that a Risk Assessment is completed for the event.  Details on how to do this can be found on the Health and Safety Web-site

I have a work experience person starting shortly in my department.  Is this person covered by our insurance arrangements?

Yes, our insurers regard work experience trainees to be employees for the purposes of our Employer's Liability Insurance. 

 Employers Liability certificate.

School Work Experience Placement Scheme.   Please refer to the School Work Experience Placement Scheme on the  Human Resources Web pages.

Are there any guidelines for Departments who are taking students on field trips?

Please see UCEA Guidance on Health and Safety in Fieldwork and Travel in the UK and Overseas. 

What do I have to do make sure that I have cover?

All University employees, which includes people working as though they were an employee, are covered by the University’s liability policies when they are carrying out the work that they have been contracted to do. If you are not an employee of University, eg if you are self employed or a contractor, you are not given protection by these policies. If you are an employee of the University but carrying out work outside your contract (such as private consultancy work or other work under your own name rather than under the name of the University) then you are not considered to be working on behalf of the University and will not be covered by the policy.

If there is any aspect of your work that you feel could lead to a claim from another staff member, student or member of the public, then it is your duty to bring this to the attention of the University Insurance Officer.

I have been asked by the University to be a first aider.  Am I insured?

Yes – The University liability policy covers the provision of first aid within the University facilities or in the vicinity of University premises providing you have not acted beyond what is reasonably perceived as emergency first aid.  For example putting somebody is the recovery position would be classed as first aid whereas a clinician giving oxygen to member of staff who has collapsed would not.

PLEASE NOTE THAT THE UNIVERSITY DOES NOT HOLD ANY MEDICAL MALPRACTICE COVER. IF YOUR ROLE REQUIRES YOU TO HAVE MEDICAL MALPRACTICE COVER, THEN YOU MUST MAINTAIN THIS COVER YOURSELF THROUGH YOUR PROFESSIONAL BODY.  IT MAY BE THAT YOU HAVE A SEPARATE HONORARY CONTRACT TO COVER THE SCOPE OF YOUR ROLE WITHIN THE NHS.

What about academic professionals who are visiting our Department?
Academics who are visiting the University as part of a collaborative scheme or shadowing programme would normally be covered by their own employers.

What sort of work do I need to tell you about?


The key areas of concern involve:

  • ·         Any work in the aeronautical industry.
  • ·         Work on or visits to oil rigs or other off-shore installations.
  • ·         Working in nuclear exclusion zones or advice to nuclear bodies.
  • ·         Working with asbestos or advice regarding asbestos.
  • ·         Paid advice regarding pollution or contamination.

It is important to advice the Insurance Officer immediately if  you are going to be involved in any hazardous pursuits.  This includes (but is not limited to) hang gliding, parachuting, mountain climbing or pot holding.

What are the details of the University's Professional Indemnity Insurance?

Professional Indemnity To Whom it May Concern Letter.

The level of indemnity in respect of USA and Canadian jurisdiction is limited and therefore we should make every attempt to move contracts away from these laws.

Are there any exclusions that I should be made aware of?

Non employees of the University are NOT covered by our Employers Liability, Professional Indemnity, Public Liability or Products Liability insurance, therefore any Department hiring staff (whether self employed, contractors or agency staff) should check that they have adequate cover for any losses that may arise as a result of their work at the University.

Are members of staff insured to work overseas?

The University liability insurance policy automatically cover staff for temporary work overseas  such as for research purposes. 

It is essential the University procedures for travelling overseas are complied with.

If a member of staff is intending to work overseas for more than 12 months or whose permanent place of work is outside the UK it is essential that the University Insurance Officer is notified as soon as possible prior to commencement of this role. 

The reason is that local country specific requirements may mean that insurance must be purchased in the country where the member of staff will be based.  It is essential to allow sufficient time to arrange insurance cover to meet local legal requirements.

What about insurance for the University Offices in China and Malaysia?

The University purchase local policies for both offices details of which can be obtained from the University Insurance Officer .