Liability (Wages & Turnover)


Target Market
Suitable for small to medium sized companies undertaking a wide range of business activities based in the UK. This product is designed for customers who require insurance protection for Employers, Public and Products Liability. This will cover liabilities for their business activities, but the client can also extend to cover Contractors All Risk insurance. This product is not suitable for customers whose turnover exceeds £5,000,000.

Scheme: Tokio Marine HCC

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
  • Up to £5,000,000 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
  • 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