Per Capita Shield

Scheme: Ascot Group’s Syndicate 1414 at Lloyd’s

FREE £1,500 Tools Cover*
FREE Professional Indemnity Up to £25,000 on the majority of trades
Up to 10 Manual Employees Acceptable
Multi-Trades with Proportionate Rating Available
Strong Appetite for Contractors
Bona Fide Sub Contractors included FREE of charge, for annual payments Up to £100,000

*Must be added to the SOF

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
  • Defective Premises Act Defence Costs
  • Overseas Personal Liability Cover
  • Consumer Protection Act and Food Act Defence Costs
  • Includes Compensation for Court Attendance
  • Work Overseas Cover
  • Motor Contingent Liability Cover

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

Optional Extras

  • Tools Cover – Up to £50,000
  • Stock Cover – Up to £40,000
  • Employers’ Liability Cover Up to £10,000,000

Insurer Rating


AM Best


Ascot Group’s Syndicate 1414 at Lloyd’s