Smaller Contractors Combined
DELEGATED AUTHORITY PRODUCT

CLAIMS

Smaller Contractors Combined
This facility is aimed at smaller contractors with annual turnovers of less than £3.5m.
Capacity is provided through Focus by NIG. 

BENEFITS

  • Legal Expenses (including contract disputes
  • No declaration adjustment at renewal
  • Public Liability includes £250,000 financial loss cover
  • Site Safety Assessment Tool
  • Statement of Fact basis – no proposal form required

CORE COVER

  • Employers Liability £10m
  • Public/Products Liability £5m (limit £2m where heat use is involved)

ADDITIONAL COVERS

  • Contractors All Risks £2m maximum any one contract (up to 24 months)
  • Contractors All Risks includes £25,000 negligent breakdown of hired-in-plant
  • Excess of Loss Public Liability quoted separately

TARGET BUSINESS

  • Bricklayers (up to 15 metres height limit)
  • Builders (up to 15 metres height limit)
  • Carpenters & Joiners (internal work)
  • Cleaners (internal work – domestic and offices)
  • Decorators (up to 10 metres height limit)
  • Double Glazing (up to 10 metres height limit)
  • Drain Cleaning (domestic only)
  • Electricians (domestic and small commercial)
  • Fencing Contractors
  • Flooring Contractors
  • Kitchen & Bedroom Installers
  • Locksmiths
  • Plasterers (up to 8 metre height limit)
  • Shopfitters
  • Tiling Contractors (up to 8 metres height limit)
  • Window & Door Installation (not-double glazed)