Liability Insurance Comparison Table

Company

Number of people

8 including manual workers,principle, directors and partners

10 including manual workers, principle, directors and partners

6 including manual workers, principle, directors and partners

10 including manual workers, principle, directors and partners

Claims

No quote for any claims losses in the last 5 years

Refer where: -

2 or more claims in last 5 years

Any tools claims or losses

Any other claims in excess of £1000

Refer where: -

There are more than 3 claims in the last 3 years

Claims total exceeds £2,500 in last 3 years

Bona Fide Sub Contractors

Yes, no more than 25% of total annual turnover

No Cover

Yes, but payments to these must not exceed £30,000

Yes, no more than 25% of total annual turnover

Labour only sub contractors

Count as employees

Count as employees

Count as employees

Any type of Roofing up to 15% in isolation.

Count as employees

Temp Employee

This is included upto a max of 50 man-days in one period. If Employer Liability is not in force for this cover then Employer Liability for 1 should be charged to accommodate temp employee cover.

This is included upto a max of 50 man-days in one period. If Employer Liability is not in force for this cover then Employer Liability for 1 should be charged to accommodate temp employee cover.

This is included upto a max of 50 man-days in one period. If Employer Liability is not in force for this cover then Employer Liability for 1 should be charged to accommodate temp employee cover.

Cover is available free of charge. Cover is subject to payments to these not exceeding 20% of total turnover

Limited Companies

All directors are classed as employees under contract law. However where the director is the sole employee, Employer Liability is optional

All directors are classed as employees under contract law. However where the director is the sole employee, Employer Liability is optional

All directors are classed as employees under contract law. However where the director is the sole employee, Employer Liability will not be required

All directors are classed as employees under contract law. However where the director is the sole employee, Employer Liability will not be required

Wood Working Machines (WWM)

The use of power driven woodworking machinery is included subject to an additional premium of £75 per employee.

Excludes use by employees driven by mechanical power other than portable hand tools. This restriction can be removed for an additional premium. £30 + IPT for each employee

Excludes use by employees driven by mechanical power other than portable hand tools. This restriction can be removed for an additional premium. £30 + IPT for each employee

The use of power driven machinery is excluded where Special K clause is applicable. Other than lathes, fret saws, boring machines, sanding machines or mechanically driven portable hand tools.

This can be deleted at a rate of £175 per employee.

Cover is available and rated for all employees as an extension £1,500 (£0 SAL)

Laptops, mobile phones, Sat Navs, etc are excluded.

£50 excess applies to tools.

£200 excess on computer equipment

Between the hours of 9pm – 6am tools must be in a secure guarded park or a locked building

Cover is available and rated for all employees as an extension £1,250 or £2,500 (£250 SAL)

Standard cover excludes losses from any attended vehicle. Standard Plus covers any losses from unattended vehicles.

Laptops, mobile phones, Sat Navs, computers ect are excluded.

£100 excess applies to theft and attempted theft.

Unattended Vehicle Between 6am – 9pm 25% excess of the loss

Cover is available and rated for all proprietors and employees as an extension with a sum insured options £1,250 or £2,500.

Cover is available and rated for all employees as an extension. £1,000 or £1,500 (£0 SAL)

A 25% excess of the amount of the loss applies to theft claims from unattended vehicles between 6am – 9pm.

Between the hours of 9pm and 6am tools have to be kept in a locked building or a vehicle contained in a locked building

£100 excess applies to theft or attempted theft

This is included under the PL section but excludes any goods manufactured by the insured.

This is included under the Public Liability section but excludes recall.

This is included under the Public Liability section but excludes any goods manufactured by the insured.

This is included under the Public Liability section but excludes any goods manufactured by the insured.

Not Covered

Not Covered

Not Covered

Not Covered

Heat is included subject to the heat condition found in the policy wording. However, heat use may be excluded on certain trades

Heat is included subject to the use of heat condition. However if the trade speculates a heat exclusion then this will override the original condition

Heat is included subject to the application of heat & fire precautions condition.

Heat is included subject to the heat condition found in the policy wording. However, heat use may be excluded on certain trades

Groundworkers

Acceptable upto 3 meters for drain repair, no road surfacing accepted.

Discount

15% applies to Public Liability premium only for second and subsequent persons on contracting trades.

30% applies to Public Liability premium only for second and subsequent persons on professionaltrades

Yes

Yes

Yes

Yes