Contractors Combined

Property & Casualty Cover Options

Business interruption

This cover protects your clients' business income following a property or damage loss.

Cover options available include:

• Accounts receivable
• Annual gross rentals, estimated gross rentals or gross rentals
• Annual gross revenue, estimated gross revenue or gross revenue
• Estimated gross profit or gross profit
• Increase in cost of working
• Additional increase in cost of working
• Exhibitions cover
• Theft of building cover
• Transit cover
• Unspecified customers cover
• Increased inflation protection cover options also available.

Computer insurance

Our Computer Insurance policy section covers 3 main areas:

• Computer equipment
• Reinstatement of data
• Increased cost of working.

Contractors all risk section annual contract

Cover includes:

• Escalator cover
• European Community and public authorities (including undamaged property cover)
• Expediting costs cover
• Free materials cover
• Hired in plant cover
• Immobilised plant cover
• Indemnity to principals cover
• Off-site storage cover
• Re-drawing plans or documents cover
• Reinstatement of sum insured after loss cover
• 72 hour cover
• Speculative development cover
• Show properties and contents cover
• Sub-contractors cover
• Transit cover.

Contractors all risk section single contract

Cover includes:

• Escalator cover
• European Community and public authorities (including undamaged property cover)
• Expediting costs cover
• Free materials cover
• Hired in plant cover
• Immobilised plant cover
• Indemnity to principals cover
• Off-site storage cover
• Re-drawing plans or documents cover
• Reinstatement of sum insured after loss cover
• 72 hour cover
• Speculative development cover
• Show properties and contents cover
• Sub-contractors cover
• Transit cover.

Employer's liability cover

This cover gives your clients protection in respect of legal liability for bodily injury to employees.

Policy cover includes:

• Damages and claims costs, with a standard limit of £10,000,000 (increased indemnity limits up to £25,000,000 can be arranged)
• Manslaughter costs, with a standard limit of £1,000,000 (increased limits can be arranged)
• Safety legislation costs, with a standard limit of £1,000,000 (increased limits can be arranged)
• Terrorist act cover limit of £5,000,000
• Court attendance costs - £500 per day for any director, partner or employed person
• Overseas employees working for a company based in the UK for claims brought under UK law.

Financial loss liability

This covers your clients against financial losses arising out of a defect in or the unsuitability of products or services.

This cover is available when a Public and Products Liability or a Public Liability (building and allied trades) section is in force.

• Cover includes breach of “implied” contract terms
• Cover provided on a 'claims made' basis
• Notification of circumstances cover included.

Goods in transit

Insurance to protect property while in transit either in own vehicles or while being carried by a third party.

Included as standard:

• Additional expenses cover up to £10,000 for any one claim
• Demonstration or approval cover up to the consignment limit
• Exports (free on board/free on aircraft) cover
• Packers' premises cover up to the consignment limit
• Personal effects cover up the £500 for any one claim.

Legal Expenses

A standard limit of £50,000 any one loss (£500,000 in the annual aggregate), with option to increase to either  £100,000 or £250,000* any one loss (£1,000,000 in the annual aggregate).

* for certain trades, without contract dispute cover.

Money and personal assault

This is All Risks cover to protect your clients' business money.

Cover includes:

• Additional expenses cover up to £10,000 for any one claim
• Definitions to separate negotiable and non-negotiable money
• Fraudulent use of credit cards cover
• No age limit applicable on personal accident assault
• £500 counselling costs under personal accident assault section.

Property damage

Insurance cover to protect your clients' buildings, contents, stock and other items against damage caused by an insured peril.

• Theft is included as a peril, so no separate theft section
• Separate perils for storm and flood with a new defined term
• Buildings constructed from metal or composite panels insulated with materials other than polystyrene will be regarded as being of Standard Construction
• Freezer contents
• Theft damage to buildings
• Unauthorised use of utilities
• Unspecified storage sites
• Terrorism Act cover is available upon request
• 72-hour wording to treat incidents of storm or flood damage.

Public liability (building and allied trades)

This cover gives your clients protection in respect of legal liability for injury to third parties or for damage to their property.

Policy cover includes:

• A "Non accidental" wording, subject to an exclusion for deliberate acts
• Variable limits of indemnity available, up to £10,000,000 dependent on type of risk
• Legionella, subject to precautions condition
• Wider personal liabilities cover
• Contingent motor liabilities cover, extended to European Union
• Manslaughter costs, with a standard limit of £1,000,000 (increased limits can be arranged)
• Safety legislation costs, with a standard limit of £1,000,000 (increased limits can be arranged)
• Terrorist act cover, with a standard limit of £2,000,000 (increased limits may be available)
• Data protection cover, with a standard limit of £1,000,000 (increased limits may be available)
• Environmental clean-up costs, with a standard limit of £100,000 (increased limits available for most risks up to £1,000,000).
• Court attendance costs - £500 per day for any director, partner or employed person
• Cross liabilities including member to member
• Housing Grants cover
• JCT Contracts temporary hold cover facility (up to 21 days).

Selected all risks for specific items

An All Risks cover to protect specific items in the UK and, optionally, elsewhere.

• Cover is available to cover items at the business premises, in the UK, in the European Union or Worldwide
• Excesses show on the schedule against each specific item. The higher excess will apply if multiple items subject to one claim
• Amended unattended vehicles condition which recognises hatchbacks.

Terrorism

This covers your clients against:

• Acts of terrorism
• Damage to property insured
• Business interruption.

Theft by employees

This provides cover for your clients for loss of money or property due to employee dishonesty or acts of fraud.

• Includes previous insurance 'interlocking' clause
• No separate standards of control questionnaire needs to be completed.