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Employers' Liability Employers' Liability

Cover

Legal liability in respect of injury to or disease of its employees in the United Kingdom, the Isle of Man, the Channel Islands and the Republic of Ireland. Cover is extended in respect of employees normally resident in and travelling from, the UK during temporary visits abroad providing they are not engaging in manual work or visiting off-shore installations.

NB: Liability in respect of injury or disease of employee’s resident and working abroad is not covered by the policy. Such cover, if required, should be arranged in the country where the employee is working.

Limit of Indemnity

£50,000,000 each and every occurrence

Excess

None

Documentation

The University's Certificate of Employers' Liability Insurance

Public Liability and Product Liability Public Liability and Product Liability

Cover

Legal liability to third parties in respect of death, injury, disease and/or damage to property.

Limit of Indemnity

£50,000,000 any one event in respect to Public Liability and for all claims in the aggregate during any one period of insurance in respect of Products Liability

Excess

None

Documentation

Public Liability To Whom It May Concern Letter

Clinical Trials Clinical Trials

Cover

Legal liability for damages in respect of accidental injury resulting from clinical research requiring a clinical trial.  Clinical Trials are defined as a project or investigation, or series of investigations, conducted on any person for a Medicinal Purpose*.

*Medicinal Purpose means:

a) treating or preventing disease or diagnosing disease or

b) ascertaining the existence degree of or extent of a physiological condition or

c) assisting with or altering in any way the process of conception or

d) investigating or participating in methods of contraception or

e) inducing anaesthesia or

f) otherwise preventing or interfering with the normal operation of a physiological function

 

Limit of Indemnity

£30,000,000 any one claim and in the aggregate including claims costs and expenses

Excess

None

Documentation

Clinical Trials To Whom It May Concern Letter

Flowchart

In order to clarify whether your clinical trial is insured, please use this flow chart.

Assumptions

  • The NHS Indemnity applies in any case where a NHS body owes a duty of care to the research subject;
  • All trial protocols are subject to peer review, such as a NHS or UEA ethics committee.

Conditions

Clinical Trials involving NHS patients must be approved by the NHS, in writing, before a trial commences and it is the responsibility of the Principal Investigator to ensure such approval is obtained.

Where a pharmaceutical company is acting as Sponsor for a Clinical Trial involving the testing of drugs or medicines, the company must provide the ABPI standard form of indemnity.

The following trials are not covered by the University's standard policy:

  • trials involving pregnant women;
  • trials involving under fives;
  • trials involving conception or contraception;
  • genetic trials;
  • trials where the substance under investigation has been designed and/or manufactured by the University;
  • trials conducted within the jurisdiction of the USA or Canada, or any other country that requires cover to be arranged within their own jurisdiction.

If you are considering a funding application for a trial which involves any of these activities, you must provide details to insurance so cover with insurers can be arranged and advice given on any additional cost involved.

Professional Indemnity Professional Indemnity

Cover

Liability for breach of professional duty. This includes any negligent act, error or omission, infringement of copyright, breach of warranty of authority, or breach of trust or breach of confidential information, all occurring or committed in good faith by staff in the course of their employment.

Limit of Indemnity

£10,000,000 in the aggregate

(I) Pollution where Cover is limited to £1,000,000 in the aggregate

Excess

£10,000 each and every claim

Documentation

Professional Indemnity To Whom It May Concern Letter