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Personal Service Companies

Emergency overseas medical expenses

This is provided to freelancers on the same terms as ³ÉÈËÂÛ̳ employees. Cover is up to £5m per claim for such expenses incurred whilst away from their normal country of domicile on ³ÉÈËÂÛ̳ assignments of up to three months duration. In the event of an emergency, the ³ÉÈËÂÛ̳ emergency medical assistance provider should be contacted.

Personal accident cover

Freelancers are expected to maintain their own personal insurance arrangements. However, the ³ÉÈËÂÛ̳ operates a benevolent fund which may provide benefits following accidental disablement or death while working for the ³ÉÈËÂÛ̳.

This is known as the Supplementary Accident Benefit Scheme and is subject to a maximum payment of £250k (higher limits may apply where death or disablement is caused by an act of violence/war). Find out more in the document below:

Equipment

It is a condition under the  that freelancers insure their own equipment.

Personal effects

Freelancers are responsible for the care and safekeeping of their personal possessions while engaged by the ³ÉÈËÂÛ̳ and they are expected to make their own insurance arrangements.

Public liability insurance

It is anticipated that freelancers have in place public liability insurance, but the ³ÉÈËÂÛ̳ may choose to extend its public liability insurance arrangements following an incident, subject to the freelancer having demonstrated that they have complied with ³ÉÈËÂÛ̳'s health and safety requirements.

The ³ÉÈËÂÛ̳'s public liability insurance operates in respect of liability to any third party for death/injury or damage to third party property arising out of its negligence and is effective in respect of the ³ÉÈËÂÛ̳'s activities anywhere in the world.

Please note that freelancers engaged to perform specialist services in respect of certain activities, who are paid gross, will be contractually required to maintain their own appropriate liability insurance. Those roles include but are not limited to:

• Special Effects and Pyrotechnics Experts

• Armourers

• Workers specifically engaged to provide personal security/protection or health and safety related services

• Workers specifically engaged to perform rope access and scuba diving supervisory services.

• Workers providing and/or supervising interaction with Dangerous Animals as defined under the applicable Dangerous Wild Animals Act (or superseding regulations).

• Workers providing services as Expedition Leaders

• Workers providing medical services (e.g. Consultants, Doctors, Paramedics, Nurses, etc.)

Such individuals will be required to maintain appropriate public liability Insurance and, where applicable, product liability Insurance and/or professional indemnity insurance with a limit of liability of no less than two million pounds sterling (£2,000,000) per occurrence and to provide acceptable evidence to the ³ÉÈËÂÛ̳ on request. The ³ÉÈËÂÛ̳ may vary the insurance requirements and the types of roles to which they apply. You will be informed of any variation applicable to you in advance of the applicable booking.

The ³ÉÈËÂÛ̳ public liability insurance may extend to directly engaged stunt co-ordinators/performers providing that they are:

• a self employed individual;

• listed on the organisation's Health and Safety Stunt register.

• able to supply a CV demonstrating the appropriate level of experience for the work being carried out.

The ³ÉÈËÂÛ̳ Insurance team must be contacted prior to engaging a stunt co-ordinator/performer where you wish to seek inclusion under ³ÉÈËÂÛ̳ public liability insurance arrangements.

Motor

Only properly authorised freelancers, who meet the following criteria, can drive ³ÉÈËÂÛ̳ vehicles hired through Leasedrive:

• Completed a ;
• hold a full and valid driving licence appropriate to the type of vehicle being used;
• be at least 23 years of age, trained, competent and sufficiently experienced to drive the type of vehicle being used; and
• not be suffering from any health condition or infirmity which may affect their ability to drive safely.

The vehicle may only be used for purposes authorised by the ³ÉÈËÂÛ̳ and all drivers must comply with the rules set out in the driver packs issued by the vehicle hire company.