• Public Liability
  • Public Liability - covers your legal liability in connection with your business to members of the public for accidental injury or accidental damage to property.
  • Cover is provided for a limit of £1 million for any one occurrence and may be increased to £2 million or £5 million for most trades. The limit for pollution or contamination is £1 million regardless of the previous option selected. Your quotation/policy schedule will record which option you have selected.
  • Cover includes:
    • Bona fide sub-contractors
    • Principal/Employer Extension
    • Health & Safety at Work Legal Defence Costs
    • Contingent Motor Liability
    • Court attendance Compensation
  • Cover may be extended to apply in respect of up to 3 temporary employees.

The following cover is mandatory where you have employee(s):

• Employer's Liability
  • Employers’ Liability - covers your legal liability in connection with your business to your employees.
  • Cover is provided for a limit of £10 million for any one occurrence.
  • Cover includes:
    • Principal/Employer Extension
    • Health & Safety at Work Legal Defence Costs
    • Court Attendance Compensation
  • Cover may be extended to apply in respect of up to 3 temporary employees

The following covers are optional at extra cost:

• Tools - this cover is not applicable if the Contract Works option is selected.
  • Covers loss or damage to hand tools or hand held portable power tools and parts and other business equipment.
  • Limits of £1,000, £1,500 or £2,000 in any one period of insurance per person are available. There is a limit for any one Tool of £300.
• Contract Works

  Covers loss or damage as follows dependent on option selected:

  Cover - any one loss	Selection A	Selection B
  Maximum contract price any one loss	£100,000	£250,000
  Own plant and tools sum insured	£10,000	£20,000
  Temporary buildings sum insured	£2,500	£5,000
  Plant and temporary buildings on hire sum insured	£50,000	£50,000
  Employees tools & personal effects sum insured	£1,500	£2,000
  Single article limit	£300	£300

• Personal Accident
  • Covers you or your partners or working directors aged between 16 and 65 against accidents occurring at work, which results in total disablement.
  • Temporary total disablement. £200 weekly benefit - up to a maximum of 104 weeks.
  • Permanent total disablement £5,000 capital sum.