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