Liability insurance

Employers Liability

Legal liability to employees for death, bodily injury, illness or disease.  This is a compulsory insurance under UK law.

Insurer: Zurich Municipal

Cover: £50 million any one claim/unlimited any one period of insurance

Excess: No excess

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

Certificate: Copy of the certificate is available: Employers Liability Certificate (PDF, 187kB)

A letter from the insurers with further information on cover is also available: Employer and Public Liability Letter (PDF, 82kB)

Public Liability

Legal liability to third parties (a third party might be a member of the public, a student or a visitor) for death or accidental injury or damage to their property.

Insurer: Zurich Municipal

Cover: £50 million any one claim/unlimited any one period of insurance in most eventualities.

Excess: No excess

A letter from the insurers with further information on cover is available: Employer and Public Liability Letter (PDF, 82kB)

For advice on liability insurance for Clinical Research please see our Clinical Research webpage.

Professional Negligence

Legal liability for breach or professional duty by reason of any negligent act or accidental error or omission in teaching, research or consultancy by reason of:

• Any negligent act, error or omission by an employee (including students under supervision)

• Unintentional infringement of any third party IP etc

• Unintentional breach of confidence

• Consequences of loss of documents or computer records

• Criminal, dishonest, fraudulent or malicious acts of employees

Insurer: Zurich Municipal

Cover: £10 million any one claim/all claims in any one period of insurance (with one automatic reinstatement).

Excess: £25,000

A letter from the insurers with further information on cover is available: ‌Professional Indemnity Letter (PDF, 100kB)

Libel and slander

Legal liability for libels in any publication normal to the business by employees or slander in course of discharge of official duties.

Insurer: Zurich Municipal

Cover: £5 million any one claim/period of insurance

Directors and Officers Liability

Personal liability of Council members & managers for “Wrongful Acts” in the course of their University of Bristol role.

Insurer: Chubb

Cover: £5 million any one claim/period of insurance

Pension Fund Trustees Liability

As Directors' and Officers' Liability above but for trustees of the University of Bristol pension funds

Insurer: Markel

Cover: £10 million any one claim/period of insurance

Excess: Nil

Offshore work

Work offshore is excluded from cover under all of the above policies and in all circumstances must be referred to the Insurance Officer in advance to ensure that appropriate insurance coverage can be arranged.

Claims

Zurich Municipal's Portal Number for liability claims is C00108

Please contact the Insurance Officer for advice in respect of liability claims.

If you receive a writ or summons relating to an insurance, or any other matter, please do not respond, you should immediately contact either:

Ginny Hope, the Insurance Officer
0117 39 41821 (internal extension 41821)
Ginny.Hope@bristol.ac.uk

Jane Bridgwater, Director of Legal Services (job share)
0117 39 41817 (internal extension 41817)
Jane.Bridgwater@bristol.ac.uk

Sue Paterson, Director of Legal Services (job share)
0117 39 41826 (internal extension 41826)
Sue.Paterson@bristol.ac.uk

Field Trips

Guidelines for departments who are taking students on field trips can be found on the Safety and Health Services webpage under working offsite.

Student Placements

Please read our Student Placement Guidance (Office document, 51kB)

Please also refer to the guidance provided by Safety and Health Services and AQPO.