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
• NIG Risk Assist (Health & Safety Tool)
• Statement of Fact basis – no proposal form required

CORE COVER

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

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 Contractors (up to 10 metres height limit)
• Drain Cleaning Contractors (domestic only)
• Electricians (domestic and small commercial)
• Fencing Contractors
• Flooring Contractors
• Kitchen & Bathroom Installers
• Locksmiths
• Plasterers (up to 8 metre height limit)
• Shopfitters
• Tiling Contractors (up to 8 metres height limit)
• Window & Door Installation (not-double glazed)