Commercial Express

The Value Added MGA

01384 473021

Liability (Per Capita)


Target Market
Our liability per capita products are suitable for small companies or individuals that require Public and Products’ liability insurance to protect them for their business activities.

In addition, the product also provides the option to cover Employers’ liability and material damage insurance for customer’s tools and/or stock.

The product is not suitable for companies that have more than 10 employees, unless all employees are clerical where the maximum acceptable number of employees is 12.

Scheme: Covéa

Features & Benefits

  • FREE Tools cover up to £1,500 for all trades
  • FREE Professional Indemnity up to £25,000 on the majority of trades including; Builders, Bricklayers, Carpenters, Painter & Decorator and Kitchen / Bathroom Installers
  • Pro Rata Cancellation Terms
  • Public & Products Liability available up to £10,000,000, excluding use of heat
  • Public & Products Liability available up to £5,000,000, including use of heat
  • Bona Fide Sub Contractors included FREE of charge, for annual payments up to £100,000
  • Products Liability, anywhere in the world (other than USA/Canada)
  • Indemnity to other persons including Directors, Employees and Principals as standard
  • Includes cover for Cross Liabilities
  • Defence costs for:

    • Breaches or alleged breaches of the United Kingdom Health & Safety at Work Act 1974

    • Any offence under Part II of the Consumer Protection Act 1987

    • Any offence under Part II of the Food Safety Act 1990

  • Includes Compensation for Court Attendance
  • Cover for sudden, identifiable, unintended and unexpected pollution - up to £100,000 during any one period of insurance
  • Includes Motor contingent liability

Optional Extras

  • Employers’ Liability cover up to £10,000,000
  • Tools and Stock cover available
  • Cover for Employees on a temporary basis for work within the EU, provided that Employee resides within the Territorial Limits ordinarily if Employer’s liability selected