Focus’ facility for Contractors Combined Liability, with security provided by our ‘A’-rated Insurer Partner, caters for a wide variety of contracting trades.  Our Delegated arrangement with Tokio Marine HCC allows us to quote Bona-Fide Subcontractor (BFSC)-led risks.

BENEFITS

• Legal Expenses including contract disputes
• Most standard Construction Trades quoted
• No end-of-year declaration unless otherwise stated
• No height or depth limits
• Site Safety Assessment Tool
• Statement of Fact basis – no proposal form required
• Turnovers up to £20m (Wage Roll £5m)
• Wide Trade list
• Competitive premiums and excesses

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 COVERS

• Excess Loss EL/PL to £20m
• Six-month speculative build

TARGET BUSINESS

• 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