Our special risks team focuses on high-hazard trade sectors and we have particular expertise in contracting risks. These include roofing, scaffolding, demolition, structural steel erectors, civil engineers and asbestos removal. The nature of the account means we target risks that demonstrate a high level of health and safety awareness and risk management.
Employers' Liability cover is written in the UK and Ireland while Public and Products Liability can be written both as a standalone policy and in conjunction with Employers' Liability for risks operating in the UK with incidental exposure around the world. North American exposures are written sparingly. The following limits are available:
Employers’ Liability
- Primary layer – up to £10m
Public and Products Liability
- Primary layer – up to £10m
- Excess of loss – up to £15m
In addition to other less common covers such as product guarantee/recall or non-conventional programmes, the following types of risk may also be considered, subject to full underwriting information:
- Aircrews
- Chemicals including agrochemicals
- Explosives/pyrotechnics
- Leisure risks presenting a very high risk of personal injury
- Products liability for motor parts – (critical parts only)
- Motor sports
- Multinationals and overseas domiciled risks
- Offshore contractors
- Pharmaceuticals
- Railways
- Security services
- Clinical trials
Benefits
Our Absence Management and Rehabilitation service is available to all policyholders.
Access to our UK-based dedicated claims notification line (+44 (0)800 587 6713) 24 hours a day, 365 days a year.
Employers' Liability
This covers the client against legal liability for damages and claimant’s costs for injury sustained by an employee while at work. A standard primary limit of £10m applies.
Cover extends to include:
- Unsatisfied court judgements
- Health and Safety at Work legal defence costs
- Compensation for court attendance
Please refer to the policy document for the full terms, conditions, limits and exclusions.
This covers the client against legal liability for damages and costs in respect of injury sustained by any person, damage to property and nuisance in connection with their business activities.
Cover extends to include:
- Cross liabilities
- Contingent motor liability
- Defective Premises Act
- Overseas personal liability
- Data Protection Act
- Subrogation waiver
- Pollution or contamination
- Health and Safety at Work legal defence costs
- Compensation for court attendance
Please refer to the policy document for the full terms, conditions, limits and exclusions.
This covers the client against legal liability for damages and costs in respect of injury sustained by any person and damage to property caused by any product.
Cover extends to include:
- Consumer Protection Act legal defence costs
- Food Safety Act legal defence costs
- Pollution or contamination up to £2m in the aggregate
- Health and Safety at Work Act legal defence costs
- Compensation for court attendance
Please refer to the policy document for the full terms, conditions, limits and exclusions.