Higher Risk Liability


Higher Risk Liability

Focus can quote certain Trades perceived as higher risk, which you may be having difficulty in placing.

Should your desired Trade not be shown in the Target Business section below, please do feel free to give us a call to discuss details of the risk for which you require a quotation. For instance, we can quote for bona-fide subcontractors (BFSC)-led risks, which are considered as higher risk in some markets.


  • Most higher-risk Trades considered
  • Legal Expenses included
  • Signed Statement of Fact basis
  • Site Safety Assessment Tool
  • Wide policy wording, often with no height or depth limits


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

Please note that these are quoted separately.

  • Contractors All Risks (Standalone Policy)
  • Excess of Loss Employers Liability up to £20m
  • Excess of Loss Public Liability up to £20m


  • Civil Engineering
  • Diamond Drilling
  • Groundworkers / Drainage
  • Green zone rail work
  • Quarrying
  • Heating, Ventilation, Air Conditioning (HVAC) & Refrigeration Engineers
  • Cladding / curtain walling
  • Concrete
  • Landscape Gardeners
  • Lift Engineers
  • Plumbing
  • Property Developers
  • Steel Erectors
  • Window Cleaning
  • Welding & Fabrication