Contractors Liability
DELEGATED AUTHORITY PRODUCT

CLAIMS

Contractors Liability

Our Contractors Liability facility provides wide bespoke contracting cover with flexible wordings. Focus has worked hand-in-hand with global insurer Zurich to provide this facility since 2004. Over the years, we have added a number of special benefits to tailor this product to our brokers’ requirements, resulting in a unique cover that is not always available elsewhere in the marketplace.

BENEFITS

  • Efficacy & Financial Loss (tort only £50,000) included
  • Higher limits of indemnity available
  • Legal Expenses including contract disputes
  • No bona-fide subcontractors warranty unless otherwise outlined
  • No end of year declaration unless otherwise stated
  • Statement of Fact basis – no proposal form required
  • 30-day contingent JCT 6.5.1. cover as standard
  • Turnovers up to £10m
  • Site Safety Assessment Tool

CORE COVER

  • Employers Liability £10m
  • Public/Products Liability £5m

ADDITIONAL COVERS

  • Contract Works up £3.5m any one contract – £500 excess with no increase for Malicious Damage or Theft
  • Six-month speculative build extension included
  • Excess of Loss Employers Public/Products Liability

TARGET BUSINESS

  • Builders
  • Carpenters & Joiners
  • Double Glazing
  • Fencing Contractors
  • Groundworkers
  • Painters & Decorators
  • Shopfitters
  • Bricklayers
  • Floor Screed Contractors
  • Floor Tilers/Carpet Fitters
  • Paving Contractors
  • Solar Panel Installation 10 metre height limit
  • Stone Masons
  • Timber Decking Contractors