Focus Commercial Unoccupied Property Owners Policy

Insurer:
Watford Insurance Company Europe Limited

Target Market:
This is a product designed for customers who own commercial properties for the purpose of renting or leasing but which are currently untenanted.  Such properties would have insurable values of no more than £2,000,000 at any one location.

Unsuitability:
This product is not suitable for customers who are not involved in renting or leasing commercial properties.

Distribution Channels:
The product is not sold direct to customers and is only available via authorised insurance intermediaries.  There is an additional intermediary link in between Focus and the insurer.

Classes of Insurance Available:

• Material Damage for Buildings
• Landlord’s Contents
• Property Owners Public Liability

Other Comments:
Cover for buildings is compulsory

Focus Residential Unoccupied Property Owners Policy

Insurer:
Watford Insurance Company Europe Limited

Target Market:
This is a product designed for customers who own residential properties for the purpose of renting or leasing but which are currently untenanted. Such properties would have insurable values of no more than £2,000,000 at any one location.

Unsuitability:
This product is not suitable for customers who are not involved in renting or leasing residential properties.

Distribution Channels:
The product is not sold direct to customers and is only available via authorised insurance intermediaries. There is an additional intermediary link in between Focus and the insurer.

Classes of Insurance Available:

• Material Damage for Buildings
• Landlord’s Contents
• Property Owners Public Liability
• Accidents to Domestic Staff (Employers Liability)

Other Comments:
Cover for buildings is compulsory

Focus Residential Property Owners Policy

Insurer:
Watford Insurance Company Europe Limited

Target Market:
This is a product designed for customers who own residential properties for the purpose of renting or leasing which are currently tenanted. It can also cater for untenanted residential properties where it is likely that a tenant may occupy in the near future. Such properties would have insurable values of no more than £2,000,000 at any one location.

Unsuitability:
This product is not suitable for customers who are not involved in renting or leasing residential properties.

Distribution Channels:
The product is not sold direct to customers and is only available via authorised insurance intermediaries. There is an additional intermediary link in between Focus and the insurer.

Classes of Insurance Available:

• Material Damage for Buildings
• Landlord’s Contents
• Property Owners Public Liability
• Accidents to Domestic Staff (Employers Liability)

Other Comments:
Cover for buildings is compulsory

Combined Contractors’ Liability Insurance

Insurer:
Aspen Insurance UK Limited

Target Market:
This is a product designed for customers who are involved in the construction contractors industry (for example, builders, electricians, roofers, groundworkers and other similar trades) who need liability insurance. The product is limited to those businesses with annual turnovers of no more than £20,000,000 and a maximum manual wageroll of £5,000,000.

Unsuitability:
This product is not suitable for customers who are involved in non-contractors industries such as wholesalers, retailers, services industry trades, manufacturers.

Distribution Channels:
The product is not sold direct to customers and is only available via authorised insurance intermediaries. There is an additional intermediary link in between Focus and the insurer.

Classes of Insurance Available:

• Employers Liability
• Public Liability
• Products Liability
• Pollution Liability

Other Comments:
Cover for Public Liability is compulsory. Insurance for Legal Expenses, underwritten by HDI Global Specialty SE via ARAG, is also included. A ‘construction safety risk audit’ service provided by Cardinus to help identify and manage a customer’s health and safety obligations is included.

Focus Excess of Loss Facility Policy

Insurer:
CNA Insurance Company Limited

Target Market:
This is a product designed for small to medium-sized excess of loss business for customers involved in a wide range of trades who require additional levels of liability cover over and above the limits they may already have on other insurance policies. The product is limited to those businesses with annual turnovers of less than £100,000,000 or total wageroll of less than £25,000,000.

Unsuitability:
This product is not suitable for customers who do not already have liability insurance or who have liability insurance already with CNA Insurance Company Limited.

Distribution Channels:
The product is not sold direct to customers and is only available via authorised insurance intermediaries. There is no additional intermediary link in between Focus and the insurer.

Classes of Insurance Available:

• Excess Employers Liability
• Excess Public and Products Liability
• Products Liability
• Pollution Liability

Other Comments:
There are no compulsory sections. Maximum limit of indemnity available under the product is £20,000,000. Customers must have at least £1,000,000 Public/Products Liability cover already in place or £5,000,000 Employers Liability cover.

HSB Construction Insurance

Insurer:
HSB Engineering Insurance Limited

Target Market:
This is a product designed for customers who are involved in the construction contractors industry (for example, builders, roofers, plant hirers, landscapers, groundworkers and other similar trades) who need Contractors All Risks insurance. The product is limited to those businesses with annual turnovers of no more than £10,000,000 and do not undertake contracts valued at more than £2,500,000 (and which do not last more than 24 months to complete) and who own plant valued at no more than £750,000 or spend no more than £250,000 a year on hiring-in plant or require insurance for employees tools of no more than £25,000.

Unsuitability:
This product is not suitable for customers who are involved in non-contractors industries such as wholesalers, retailers, services industry trades, manufacturers.

Distribution Channels:
The product is not sold direct to customers and is only available via authorised insurance intermediaries. There is no additional intermediary link in between Focus and the insurer.

Classes of Insurance Available:

• Contract Works
• Owned Plant
• Hired-in Plant
• Employees’ Tools and Personal Effects

Other Comments:
There are no compulsory sections although Employees’ Tools and Personal Effects can only be taken out in conjunction with one of the other classes of insurance available. Insurance for legal expenses underwritten by HDI Global Specialty SE via ARAG is also available.

Liability Insurance

Insurer:
HCC International Insurance Company plc

Target Market:
This is a product designed for customers who are involved in the construction contractors industry (for example, builders, electricians, plumbers, groundworkers and other similar trades) who need liability insurance. The product is limited to those businesses with annual turnovers of no more than £20,000,000 and a maximum manual wageroll of £5,000,000.

Unsuitability:
This product is not suitable for customers who are involved in non-contractors industries such as wholesalers, retailers, services industry trades, manufacturers.

Distribution Channels:
The product is not sold direct to customers and is only available via authorised insurance intermediaries. There is no additional intermediary link between Focus and the insurer.

Classes of Insurance Available:

• Employers Liability
• Public/Products Liability
• Pollution Liability

Other Comments:
Cover for Public Liability is compulsory. Insurance for Legal Expenses, underwritten by HDI Global Specialty SE via ARAG, is also included. A ‘construction safety risk audit’ service provided by Cardinus to help identify and manage a customer’s health and safety obligations is included.