Contractors Combined Liability
DELEGATED AUTHORITY PRODUCT

CLAIMS

Contractors Combined Liability

Focus’ facility for Contractors Combined Liability, with security provided by our ‘A’-rated Insurer Partner, caters for a wide variety of contracting trades.  Our Delegated arrangement with Tokio Marine HCC allows us to quote Bona-Fide Subcontractor (BFSC)-led risks. 

BENEFITS

  • Legal Expenses including contract disputes
  • Most standard Construction Trades quoted
  • No end-of-year declaration unless otherwise stated
  • No height or depth limits
  • Site Safety Assessment Tool
  • Statement of Fact basis – no proposal form required
  • Turnovers up to £20m (Wage Roll £5m)
  • Wide Trade list
  • Competitive premiums and excesses

CORE COVER

  • Employers Liability £10m
  • Public/Products Liability £5m (£10m for certain Trades)

ADDITIONAL COVERS (quoted separately)

  • Contractors All Risks (standalone policy)
  • Excess of Loss Employers Liability up to £20m
  • Excess of Loss Public Liability up to £20m
  • Six-month speculative build

TARGET BUSINESS

  • Carpenters & Joiners
  • Fencing Contractors
  • General Building & Contracting Trades
  • Groundworkers
  • Property Developers
  • Refrigeration & Ventilation
  • Shopfitters