Liability insurance

Through our online portal, we provide liability coverage for a diverse range of more than 500 trades. Our system utilises per-capita logic to accurately assess and underwrite the coverage. Additionally, we offer the option to include payments to labour only subcontractors and bona-fide subcontractors.

For the majority of trades, we can offer Limits of Indemnity of up to £5 million including heat work and we have the flexibility to arrange varying levels of Excess Layer cover as required.

We value and recognise risk management efforts, and therefore, we apply substantial discounts to claim-free risks and businesses with a proven track record of trading over multiple years.

In situations where per-capita rating is not suitable for a particular risk, we have the ability to offer a specialised wages and turnover-based policy through our network of esteemed Lloyds or London market insurers. This option extends to cater to higher risk liability trades, ensuring comprehensive coverage tailored to their specific needs.