This subject has been discussed many times on other sites.
As recognised by insurance companies, if you are working by yourself in your own area, then you are OK.
As soon as another person enters that area, no matter who, the area then becomes a public place, and it is your responsibility to provide at least third party insurance cover, even if it is in your own home.
People rant and rave that they can do anything on your own property, which you can within reason, but as soon as another person is involved, even wife and kids, your own property then comes under government rulings and cover has to be provided.
Say your wife enters where you are working, slips and hurts herself. She has a claim against you under law, because you allowed an accident to happen, and you failed to prevent that accident happening.
It could be construed that if you tripped over one of your kids toys, you could claim against the rugrat. But in real life that doesn't happen.
If you look on your household policy, you might or might not find that you are already covered for such occasions. If not, it shouldn't cost too much to get it included. Usually it costs very little for up to 2 million squid cover. You should also have in place a goodly amount to cover you for legal costs, on mine, 100,000 squid. When I sued my former employer, I had to have that cover in place, just in case I lost the battle. Luckily I won.
A lot of local UK councils are now requiring 5 million cover if you take say a model boat or car into a public place.
So all those kids with hi tech Christmas presents are most probably breaking the law by taking them out in the street without the correct insurance cover.
You might say it is stupid, but could you afford to pay out a massive insurance claim if someone tripped over your kid's model car and hurt themselves. That is just the way things are at this time.
Lawyer Leech is on the lookout, and wringing his hands in great anticipation of things to come.
Bogs
