Excess of loss liability insurance
Excess of Loss Insurance (or sometimes known as Excess Layer Insurance) is available to meet the needs of businesses requiring high levels of Public Liability Insurance cover - for example in order to undertake a large contract or project or because the nature of the work requires it.
Excess of Loss is particularly useful for those companies who undertake PPP and PFI contracts on behalf of central government or for sub-contractors undertaking a specific aspect of one of these large projects and who may be required to provide top-up insurance to comply with contract requirements. To obtain a free, no-obligation quotation, simply complete the form below or call us on 01837 658955.
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What can you cover yourself for?
Public Liability Insurance
When you work away from your business premises, you may cause harm to someone else or their property. For instance, you may drop a tool from a height and hit a person. If you require Public Liability insurance for land or a building, (also know as Property Owners Liability insurance) please click here for a quotation.
Employers' Liability Insurance
This is a legal requirement for nearly all employers and protects the employer against claims from employees, labour-only sub-contractors, hired people and people working under Government sponsored work schemes, where there has been negligence resulting in their injury or death.
Products Liability Insurance
When the goods you supply cause harm to a member of the public
Contractors All Risks Insurance (sometimes known as "Contract Works")
If you are involved with extending or converting a building or a self build, you are probably responsible for the work until the contract has been completed and handed over to the owner. If your work, for example, burns down, before handing over, you will be responsible for all of the costs of doing the work again. Please click here for a Contractors All Risks insurance quotation.
Injury or damage to property due to collapse, subsidence, heave. vibrations, weakening or removal of support or lowering of groundwater attributable to the carrying out of the Works but not due to any negligence of the contractor or design. Click here for a form to print, complete and return to us with the plans for the work.
If you would like to know more about this insurance, or are unsure about what policy is right for you, one of our friendly team will be happy to help you.
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Property Owners Liability Insurance
Liability insurance for residential, commercial and industrial buildings.
Public Liability Insurance
PL Insurance for over 200 trades, professions and contractors, including builders, hairdressers, carpenters and decorators.
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