Commercial Express

The Value Added MGA

01384 473021

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: Covéa

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, cover can be increased at an additional premium
  • Products Liability, anywhere in the world (other than USA/Canada)
  • Unsatisfied Court Judgements
  • 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 - up to £500 for directors and £250 for any employee for each day attendance is required
  • Cover for sudden, identifiable, unintended and unexpected pollution - up to £100,000 during any one period of insurance
  • Includes Motor contingent liability
  • No limit on the number of employees or turnover
  • Pro Rata Cancellation Terms

Optional Extras

  • Employers’ Liability cover available up to £10,000,000
  • Cover for Employees on a temporary basis for work within the EU, provided that Employee resides within the Territorial Limits ordinarily if Employer’s liability selected
  • Contractors All Risk