Commercial Express

The Value Added MGA

01384 473021

Liability (Per Capita)


Liability (Per Capita) is quickly becoming one of the strongest liability schemes for small businesses in the market. Get great protection for your clients with our Liability (Per Capita) Policy.

Scheme: DTW 1991

Features & Benefits

  • Public & Products Liability available up to £10,000,000, excluding 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 Part 1 of the United Kingdom Health & Safety at Work Act 1974 and any offence under Part II of the Consumer Protection Act 1987 and/or Part II of the Food Safety Act 1990 included subject to the underwriters providing consent
  • Includes Compensation for Court Attendance
  • Cover for claimants’ costs, fees and expenses following a sudden, identifiable, unintended and unexpected pollution incident occurring in its entirety at a specific time and place
  • 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