Liability (Wages & Turnover)


Target Market
Our Liability Wages & Turnover products are suitable for 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 insurance and/or Contractors All Risks Insurance. Contractors All Risks Insurance is an add-on provided by the insurers HSB Engineering Insurance Limited.
The product is not suitable for companies and/or individuals that are seeking a full package policy to provide material damage cover for their buildings, contents, and business interruption.

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
  • No limit on the number of employees or turnover
  • 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 available up to £10,000,000
  • Up to 25% Republic of Ireland work subject to UK jurisdiction
  • Contractors All Risk