Welcome to the Clear Insurance Scheme for Craft Workers & Designer-makers, a unique scheme underwritten by Sterling Insurance Company and only available to Association members.
Here in just a few minutes you can renew your existing policy or arrange cover for the first time, allowing you to view, print and electronically file your policy documentation.
The standard policy cover is unchanged as follows:
Employers Liability
£10 million limit any one event
Public Liability
£5 million limit any one event
Products Liability
£5 million any one period of insurance
The valuable optional covers now available are:
'All Risks' cover for contents, stock, machinery and equipment - choose the sum insured from the range available – it needs to be sufficient to repair or replace the property equal to its condition when new. If taken out, this section also provides up to £2,500 Goods in Transit cover for when sending items by post or third party carrier.
Cover for loss of profit and additional costs of working up to £50,000 following a valid property damage claim. Please contact us if you require a higher sum insured.
More detailed information about the policy can be found in the Policy Summary and Policy Wording by clicking on the links on the right.
The Benefits of Working Together
By working with your associations we have negotiated highly competitive terms for Craft and Design Association members. Our underwriters, Sterling Insurance Company have covered members for many years and have learned enough about the risks in that time to maintain competitive pricing on a consistent basis.
Arranging Your Policy Couldn’t Be Easier…
Click on the Buy Policy box and select the cover you require. Answer a few simple ‘yes/no’ questions, read our declaration and pay securely online by credit or debit card. We will immediately send you by e-mail a Policy Schedule and Certificate of Employers Liability Insurance. If you have no email facility please call Philip Keightley on 0208 329 4966.
New - Employers Liability Tracing Office
The Employers Liability Tracing Office (ELTO) is an independent industry body comprised of Employers Liability insurers. It is a proactive move by the insurance industry to meet its obligations to help those who have suffered injury or disease in the workplace and identify the relevant insurer quickly and efficiently.
At the heart of this process is a centralised database called the Employers Liability Database (ELD), which will contain all current and previous Employers Liability insurance policies, including the claims histories.
The ERN is also commonly referred to as 'Employer PAYE Reference'. This is the reference number provided by HM Revenue and Customs (HMRC) under which the employees' income tax and NI contributions are recorded. The number is specific to all businesses that employ staff who are individually paid more than £503 per month.
Frequently Asked Questions What is the ERN Number?
The ERN is also commonly referred to as 'Employer PAYE Reference'. This is the reference number provided by HM Revenue and Customs (HMRC) under
which the employees' income tax and NI contributions are recorded. The term 'Employee' includes:
- Any person under a Contract of Service or Apprenticeship
- Any person hired to or borrowed by the Insured
- Labour Masters and persons supplied by them
- Persons employed by Labour Only Subcontractors
- Persons under Work Experience Schemes
Where can I find my ERN Number?
The ERN can be obtained from mandatory HMRC documentation, including P45, P60, P11/D and most payslips. Numbers allocated since 2001 will mostly have a format of NNN/Aznnnnn - (NNN is the 3 digit number for the Tax Office catchment area / Aznnnnn is the ERN, Az being alpha, nnnnn being numeric). In the majority of cases, numbers issued prior to 2001 will have a format of NNN/Annnnn.
I don't have an ERN number
You may be exempt from holding an ERN. This will generally be where you pay your staff less than £503 per month, per employee.
If you do not have an ERN, please confirm that you are exempt from holding one
So we can offer such valuable cover at competitive rates, we have a single renewal date. The policy runs from 1st April each year until 31st March of the following year. When you take out this insurance you will be covered until 31st March 2013.
The premiums for this are as follows:
1st April 2012 to 31st March 2013 Annual Premium
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