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  • Policy Cover - Applicable Trades 

  • Policy Cover - Exclusions

    Please confirm you DO NOT undertake any of the following activities. If you answer yes to any of the below, we will need to refer to our underwriters to obtain cover for you. We may also ask for further information to assist the underwriters. 

     

  • Public Liability Section

    This section covers you for your legal liability including related legal costs, if someone is injured or their property is damaged as a result of your business activities, and where they can demonstrate that their loss is due to your negligence.

     

    Please confirm that you have NOT been:

  • Public Liability Compulsory Sections

  • Public Liability optional Extensions - Please state if covered is required. 

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  • Employers' Liability Section

    This section covers you for damages and costs which you are legally liable to pay in respect of bodily injury, for example, death, injury, illness, disease, mental injury and anquish, to an employee. You are legally obliged to arrange employers' liability insurance if you have paid employees and certain types of voluntary helpers.

  • Your Health and Safety Procedures

  • Personal Accident Section

    This section covers an injury sustained during the course or in connectiion with the described occupation, excluding any sickness or illness and injuries resulting from commuting to and from work.

  • Goods in Transit 

    This section covers you for the damage to property belonging to you or held in trust for which you are responsible while in transit anywhere in the UK.

  • Business Interruption 

    This section covers you for a loss of income following an interruption or interference with the business resulting from damage to property used by you at the premises.

  • Property damage and theft 

    This section covers buildings, contents, stock and tools belonging to you, for loss or damage at your home or business premises.

  • Business All Risks 

    This section covers your specific property such as mobile phones, laptops and trailers against damage whilst away from your premises within Great Britain and Northern Ireland, including accidental damage cover. It can also provide cover for equipment hired in by you for your use, if it is lost, damaged or stolen whilst in your care.

     

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