Liability (Per Capita) Tokio Marine HCC

Scheme: Tokio Marine HCC

Very Competitive Optional CAR Cover
Most Contractors Have Just a £100 TPPD Excess
Most Other Trades Have a £0 TPPD Excess
Up to 10 Manual Employees Acceptable
Multi-Trades with Proportionate Rating Available

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.

Features and Benefits

  • Public & Products Liability – Up to £10,000,000 – (£5,000,000 if any heat work)
  • Worldwide Products Cover (Ex USA/Canada)
  • Unsatisfied Court Judgments Cover
  • Indemnity to Others Cover
  • Cross Liabilities Cover
  • Bona Fide Sub Contractors included FREE of charge, for annual payments up to £100,000
  • Consumer Protection Act and Food Act Defence Costs
  • Includes Compensation for Court Attendance
  • Sudden, Identifiable, Unintended and Unexpected Pollution Cover
  • Motor Contingent Liability Cover

For further information on Limits and Exclusions please click here to download your policy documentation

Optional Extras

  • Contractors’ All Risks (see below)*
  • Employers’ Liability Cover up to £10,000,000
  • Tools Cover – up to £10,000 (As an Alternative to CAR Cover)
  • Stock Cover – up to £5,000 (As an Alternative to CAR Cover)

* The CAR package extension includes Contract Works, Owned Plant, Hired in Plant and Employees Tools and Effects. There are 6 differing CAR packages to choose from.

Section Option & Limits Excess
Contract Works £10000 £25000 £50000 £100000 £175000 £250000 £500
Owned Plant £2500 £5000 £12500 £25000 £37500 £50000 £500
Hired In Plant £2500 £5000 £12500 £25000 £37500 £50000 £500
Employees Tools and Effects £1000 £1000 £1000 £2500 £3750 £5000 £50
Premium before IPT £100 £175 £250 £375 £500 £750 N/A

Insurer Rating


AM Best


Tokio Marine HCC