Excess Loss PL/Products & EL

CLAIMS

Excess Loss PL/Products/EL

Today’s society is becoming increasingly litigious. As a result, it is important for businesses to have adequate limits of indemnity in place for Public/Products and Employers Liability.

Nowadays, most Insurers are not keen to give limits of indemnity in excess of £5m (or £10m for Employers Liability) as a primary layer. Focus’ Excess Loss Product is a cost-effective way of purchasing higher limits of indemnity.

Our facilities, underwritten by leading Insurers, help us to quote for Excess of Loss Liability (EL/PL/Products) with very few excluded Trades.

BENEFITS

  • Statement of Fact basis – no proposal form required
  • ‘A’-rated Insurers with strong financial reserves
  • Single contract or annual quotes available
  • Competitive premiums starting at £500

CORE COVER

  • Excess of Loss up to £20m for Public/Products and Employers Liability
  • Limits above £20m considered on a case-by-case basis

ADDITIONAL COVERS

  • Site Safety Assessment Tool
  • Legal Expenses including Contract Disputes

TARGET BUSINESS

  • Hazardous Locations
  • Manufacturing Risks
  • Non-Standard Trades
  • Property Owners
  • Unusual Premises