Land Liability
Our Land Liability product is underwritten by Ascot Syndicate 1414 at Lloyd’s and is suitable for landowners who require public liability insurance for their private fields, private roads, moorlands, pastures, woodlands, fishing lakes, car parks, arable land and development plots. With the exception of development plots, this product is not suitable for land that is used for commercial purposes.
Top Performing Areas
| Trade | Average NB GWP | NB Policy Conversion |
| Grazing, Moorland or Woodland | £177.47 | 48.34% |
| Development Site | £299.12 | 51.12% |
| Private Road | £198.82 | 48.51% |
| Undeveloped Pasture | £148.83 | 55.41% |
| Private Gardens | £184.14 | 40.25% |
| Car Park (Up to 50 Spaces) | £301.12 | 34.15% |
| Arable Land | £405.53 | 27.31% |
| Rough Country | £170.31 | 41.94% |
| Self Build | £298.94 | 36.36% |
| Moorland | £180.12 | 42.11% |
Cleaning Contractors
Our Cleaning Contractor’s product is underwritten by Ascot Syndicate 1414 at Lloyd’s and is suitable for cleaning companies that require public, products and employers’ liability. The product also includes treatment damage and misuse of telephone cover as standard. In addition, the product provides the option to cover material damage insurance for customers’ tools and/or stock. It can include the following optional covers: Financial Loss cover and lock and/or key replacement cover. The product is not suitable for companies and/or individuals that are seeking insurance for non-cleaning business activities*.
*Commercial Express would consider incidental non-cleaning business activities.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Domestic Household (including end of tenancy) Cleaners | £452.52 | 42.86% |
| Office (including Doctors & Dentist Surgeries) and / or Shop Cleaners | £651.43 | 32.93% |
| Domestic/Commercial Window Cleaners | £516.87 | 39.62% |
| Exterior Building and Roof Cleaners | £627.50 | 32.73% |
| Motor Vehicle Valets (Including Commercial Vehicles) | £498.93 | 48.00% |
| Window Cleaners (Reach Pole Only) | £421.16 | 29.27% |
| Care Homes, Hotel, Pub, Restaurant, University/College, & School Cleaners | £523.25 | 27.03% |
| Carpet & Upholstery Cleaners | £351.47 | 30.00% |
| Factory, Warehouse, Ductwork and Ventilation Cleaners | £917.27 | 26.67% |
| Wheelie Bin Cleaners | £422.28 | 80.00% |
Market Traders & Retailers
Our Market Traders & Retailers product is underwritten by Ascot Syndicate 1414 at Lloyd’s and is suitable for market traders (including car boot sales) and online retailers that require public, products and employers’ liability insurance. The product is not suitable for any market trader or online retailer that has a turnover that exceeds £100,000. In addition the product provides the option for stock, money and/or equipment insurance.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Clothing | £159.95 | 38.59% |
| Arts and Crafts | £99.21 | 39.68% |
| Jewellery | £143.58 | 43.01% |
| Toy Seller | £116.62 | 50.00% |
| Handmade Gifts | £102.40 | 36.84% |
| Antique Dealers | £105.82 | 52.50% |
| Cosmetics | £127.34 | 26.32% |
| Confectionary Stalls | £108.71 | 54.55% |
| Home Baked Goods | £105.47 | 51.43% |
| Pet food and Accessories | £123.78 | 32.14% |
Commercial & Industrial Property Owners
Our Commercial & Industrial Property Owners’ products are suitable for commercial and/or industrial properties that are tenanted, owner-occupied or vacant.
These products provide insurance cover for buildings, contents, loss of rent and property owners’ liability insurance.
In addition, terrorism covers can be added onto our commercial & industrial property owners’ products.
The Commercial & Industrial property owners’ products are not suitable for residential properties.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Unoccupied | £1,667.87 | 33.55% |
| General Grocer/off licence | £656.76 | 41.02% |
| Offices | £831.91 | 35.98% |
| Fish & Chip Shop | £1,475.52 | 24.47% |
| Off Licences | £613.37 | 45.31% |
| Garage - lock up | £431.21 | 37.98% |
| Hairdressers | £899.50 | 27.30% |
| Cafe (deep fat frying) | £1,158.36 | 38.74% |
| Motor Garages - body repairs workshop | £1,175.31 | 33.04% |
| Beauty Salon | £802.56 | 18.36% |
| Cafe (no deep fat frying) | £1,051.54 | 28.00% |
| Barbers | £776.24 | 25.53% |
| Motor Garages - other workshop | £1,137.40 | 34.16% |
| Office (Excluding taxi offices) | £786.26 | 36.69% |
| Chinese Takeaway | £1,110.20 | 21.08% |
Shop
Our Shop products are suitable for retailers, hair and beauty salons, tattoo parlours and shop front bakeries or butchers. This is a material damage and liability package product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit and book debts combined with public, products and employers’ liability insurance. In addition, the product also provides the option to cover legal expenses and terrorism cover.
Top Performing Trades
Scheme: AmTrust/Ascot
| Trade | Average NB GWP | NB Policy Conversion |
| Retailers - E-Cigarettes | £1,358.06 | 31.43% |
| Tanning Salon | £1,043.71 | 41.18% |
| Tattoo Studio | £466.68 | 40.00% |
| Retailers - Butchers & Poulterers | £3,145.72 | 40.00% |
| Retailers - Furniture | £620.89 | 50.00% |
| Retailers - General Grocers | £1,702.44 | 22.33% |
Scheme: Brit/Ascot
| Trade | Average NB GWP | NB Policy Conversion |
| Retailers - General Grocers | £828.61 | 42.86% |
| Retailers - Off Licences | £815.14 | 47.33% |
| Retailers - Clothing (Fashion) | £860.70 | 44.26% |
| Retailers - Newsagents | £712.13 | 44.83% |
| Retailers - Carpets | £586.70 | 48.84% |
| Retailers - Clothing (Other Clothing) | £670.66 | 52.94% |
| Post Offices | £568.06 | 64.00% |
| Bakery - Shopfront (baking on premises) | £643.28 | 42.42% |
| Retailers - Greengrocers | £1,109.32 | 52.17% |
| Dog Groomers Shop | £474.67 | 50.00% |
Scheme: Ascot
| Trade | Average NB GWP | NB Policy Conversion |
| Retailers - E-Cigarettes | £896.69 | 46.85% |
| Retailers - Greengrocers | £1,182.55 | 63.64% |
| Retailers - General Grocers | £1,422.88 | 10.91% |
| Bakery - Shopfront (baking on premises) | £1,764.09 | 50.00% |
| Opticians | £837.29 | 45.45% |
| Retailers - Butchers & Poulterers | £639.57 | 23.53% |
| Tattoo Studio | £528.94 | 44.44% |
Fast Food & Restaurant
Our Fast Food & Restaurant product is suitable for restaurants, cafés, and takeaways. This is a material damage and liability package product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit, and book debts combined with public, products and employers’ liability insurance. AmTrust Euope Ltd underwrite the material damage cover and Ascot underwrite the liability sections of cover.
In addition, the product also provides the option to cover legal expenses and terrorism cover. Furthermore, the product can be extended to include liability insurance for catering activities away from the premises.
The product is not suitable for restaurants and/or takeaways that do not trade from a permanent fixed premises.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Fish & Chip Shop closes at 11pm or before | £1,355.25 | 23.24% |
| Cafe (deep fat frying) | £948.80 | 25.38% |
| Cafe (no deep fat frying) | £914.92 | 29.59% |
| Restaurant - Thai (deep fat frying) | £1,184.05 | 46.05% |
| Restaurant - Italian (deep fat frying) | £1,606.38 | 33.33% |
| Takeaway - Chinese | £859.44 | 16.54% |
| Takeaway - Pizza | £1,055.80 | 13.46% |
| Restaurant - English (deep fat frying) | £1,807.00 | 21.43% |
| Coffee House | £951.73 | 18.06% |
| Restaurant - European (deep fat frying) | £1,381.53 | 23.21% |
Hair & Beauty
The Hair & Beauty product is designed for freelance/mobile hairdressers, barbers and/or beauticians or individuals/companies that own a hair salon, beauty salon or barbershop. This product is available as a stand-alone liability policy for mobile hair and beauty professionals (including rent-a-chair arrangements), or a material damage and liability package product from those with premises that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit and book debts combined with public, products and employers’ liability insurance. Ascot underwrite the material damage sections and Axis underwrite the liability portion of the cover.
In addition, the product also provides the option to cover legal expenses and terrorism cover.
The product is not suitable for persons or companies that do not operate as a hair &/or beauty business.
In addition, the product also provides the option to cover legal expenses and terrorism cover. Furthermore, the product can be extended to include liability insurance for catering activities away from the premises.
The product is not suitable for restaurants and/or takeaways that do not trade from a permanent fixed premises.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Beauty Salon | £539.69 | 48.56% |
| Hair & Beauty Salon | £527.19 | 53.46% |
| Tanning Salon | £614.18 | 46.05% |
| Hair Salon | £510.87 | 43.24% |
| Mobile/Freelance Beautician | £131.51 | 43.28% |
| Barbershop | £449.63 | 40.71% |
| Nail Salon | £388.66 | 52.78% |
| Mobile/Freelance Hairdresser | £177.37 | 38.10% |