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: Ascot Group’s Syndicate 1414 at Lloyd’s

Features & Benefits

  • 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
  • Unsatisfied Court Judgements
  • 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
  • Includes Motor contingent liability
  • Housing Grants, Construction and Regeneration Act 1996 - Applies to process of adjudication or decision pursuant to the Act

Optional Extras

  • Employers’ Liability cover up to £10,000,000
  • Up to 25% Republic of Ireland work subject to UK jurisdiction
  • Tools and Stock cover available