Employers’ Liability (EL)

Covers damages and legal costs when employees suffer injury or disease due to their work. Indemnity limits up to £25 million.

Public and Products Liability (PL)

Flexible indemnity limits; Corporate Manslaughter extension up to £5 million; Environmental statutory clean-up costs; No standard height or depth restrictions

Contractors All Risks (CAR)

Tailored contract works limits and descriptions. Cover for owned and hired-in contractors’ plant UK-wide, and employees’ personal tools and effects on site. Includes £250,000 for works stored anywhere in the UK.

Your clients can control costs by choosing which of our eight extras they need:

1. Part product protection - Products cover often excludes the product itself. For contractors, this will be the contract works but, though we exclude the cost of rectifying a defective part, and any part which is lost or damaged to enable replacement or rectification of the defect, we can cover resultant damage to other completed works.
2. Products cover - Written on an ‘any one occurrence basis’ rather than an aggregate limit.
3. Low claims renewal bonuses for EL/PL & CAR - Rewarding customers with a strong claims record.
4. Flexible excess - Customers can set their own excess level and we will adjust their premium accordingly.
5. Hold covered extension for Joint Contract Tribunal non-negligent insurance - Gives the customer time to meet the employer’s contractual requirements.
6. Multiple insureds and non-vitiation extension - Meeting the requirements of more sophisticated employers or finance parties by treating each as insured individuals. So a fraudulent act by one doesn’t affect all.
7. Additional costs of construction including unbuilt portion of works - Protection from unforeseen cost escalation which may affect incomplete portion of a contract following damage, if this leads to delay and an increase in the cost of materials.
8. Financial loss (tort only) - Peace of mind that the customers will not be left exposed to any court judgement for payment of pure financial losses incurred by third parties (excludes contractual damages, fines or penalties).

Civil contractors

Companies which undertake ground works, work involving utilities, or transport infrastructure

Ground Works and Ground Engineering

Claims expertise

• Experienced construction claims handler.
• One contact number.

Manage your costs

• Legal risk and compliance solutions available.
• Includes checklist for HSE visit, contract review, employment and legal advice.
• Renewal bonus option for customers with an excellent claims history.

Insight

Our risk insights help keep your customers prepared and covered.

Advice

Our risk engineering construction experts provide advice on site, online and on the phone.

Help avoid claims with our specialist advice in site security, noise and vibration.