Commercial Express

The Value Added MGA

01384 473021

Liability (Per Capita)


Targeting contract trades and offering unique policy coverage. A flexible Per Capita facility which offers great protection for your clients with our Liability (Per Capita) Policy.

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