Our facility offers mid-range Construction Liability insurance (for turnovers up to £20m), with security provided by ‘A’-rated insurer Aspen Insurance UK Limited. Furthermore, Focus have negotiated an open Market arrangement with Aspen for larger risks (ie over £50,000 premium) on a prior submit basis.
This Delegated Authority arrangement allows us to quote for many Trades, including those Trades perceived as being slightly higher risk. Furthermore, we can also quote for Bona Fide Subcontractor (BFSC)-led risks.
BENEFITS
- Legal Expenses (including contract disputes)
- Policy on Declaration Basis (unless otherwise stated)
- No height or depth limits (unless otherwise stated)
- Site Safety Assessment Tool
- Statement of Fact basis – no proposal form required
- Turnovers up to £20m
- Wide Trade list
CORE COVER
- Employers Liability £10m
- Public/Products Liability £5m (£10m for certain Trades)
- CAR – up to £2.5m, £100K any one item for own
and hired-in plant and £250K any one accident for
hired-in plant.
ADDITIONAL COVER
Please note that these are quoted separately.
- Excess Loss EL/PL to £20m
- Six-month speculative build
TARGET BUSINESS
- Carpenters & Joiners
- Fencing Contractors
- General Building & Contracting Trades
- Groundworkers
- Plumbing
- Property Developers
- Refrigeration & HVAC
- Shopfitters
- CCTV Drainage Inspection Engineers – Maximum Depth 5 Metres
- Concrete Contractors
- Lift Engineers
- Non-structural Steel Fixing (Light Industrial)
- Quarrying
Building and Allied Trades
Construction Combined Liability
Contractors All Risks
Contractors All Risks – Single Contract
Contractors All Risks – Standalone Product
Contractors Combined Liability
Contractors Excess Loss
Contractors Liability
Contractors Premises Property Damage
Design & Construct PI
Excess Loss PL/Products & EL
Group Personal Accident
Hazardous Location Liability
Higher Risk Liability
JCT 6.5.1
Latent Defects
Legal Expenses
Performance Bonds
Site Safety Assessment Tool
Smaller Contractors Combined