Today’s society is becoming increasingly litigious. As a result, it is important for businesses to have adequate limits of indemnity in place for Public/Products and Employers Liability.

Nowadays, most Insurers are not keen to give limits of indemnity in excess of £5m (or £10m for Employers Liability) as a primary layer. Focus’ Excess Loss Product is a cost-effective way of purchasing higher limits of indemnity.

Our facilities, underwritten by leading Insurers, help us to quote for Excess of Loss Liability (EL/PL/Products) with very few excluded Trades.

BENEFITS

• Statement of Fact basis – no proposal form required
• ‘A’-rated Insurers with strong financial reserves
• Single contract or annual quotes available
• Competitive premiums starting at £500

CORE COVER

• Excess of Loss up to £20m for Public/Products and Employers Liability
• Limits above £20m considered on a case-by-case basis

ADDITIONAL COVERS

• Site Safety Assessment Tool
• Legal Expenses including Contract Disputes

TARGET BUSINESS

• Hazardous Locations
• Manufacturing Risks
• Non-Standard Trades
• Property Owners
• Unusual Premises