Liability Per Capita
Our Liability Per Capita products are suitable for small companies or individuals that require Public and Products’ liability insurance to protect them for their business activities. In addition, the product also provides the option to cover Employers’ liability and material damage insurance for customer’s tools and/or stock. The product is not suitable for companies that have more than 10 employees, unless all employees are clerical where the maximum acceptable number of employees is 12.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Builders | £501.79 | 44.55% |
| Mobile Mechanics - Including Service Indemnity | £277.60 | 44.85% |
| Mechanics - Including Service Indemnity | £316.80 | 45.56% |
| Property Maintenance and Repair | £316.48 | 43.84% |
| Mechanic | £263.01 | 42.86% |
| Carpenters/Joiners (inc work away, ex WWM) | £282.57 | 56.47% |
| Cleaners (Domestic/Commercial ex industrial) | £236.19 | 52.38% |
| Mobile Mechanics | £158.55 | 33.33% |
| Hairdressers | £84.15 | 51.28% |
| Touring Caravan & Motorhome Maintenance | £250.04 | 77.08% |
Insurer Ratings
| Insurer | AM Best | S&P |
| Ascot Group’s Syndicate 1414 at Lloyd’s | A | A+ |
Comparison Table
Features & Benefits
Per Capita
- FREE Tools cover up to £1,500 for all trades
- FREE Professional Indemnity up to £25,000 on the majority of trades including; Builders, Bricklayers, Carpenters, Painter & Decorator and Kitchen / Bathroom Installers* (*Free with the Per Capita Shield Scheme only)
- Pro Rata Cancellation Terms
- Public & Products Liability available up to £10,000,000, excluding use of heat
- Public & Products Liability available up to £5,000,000, including use of heat
- Bona Fide Sub Contractors included FREE of charge, for annual payments up to £100,000
- Products Liability, anywhere in the world (other than USA / Canada)
- Indemnity to other persons including Directors, Employees and Principals as standard
Per Capita Shield scheme – Optional Extras
- Employers’ Liability cover up to £10,000,000
- Tools and Stock cover available
- Cover for Employees on a temporary basis for work within the EU, provided that Employee resides within the Territorial Limits ordinarily if Employer’s liability selected
Per Capita Protect scheme – Optional Extras
- Employers’ Liability cover up to £10,000,000
- Up to 25% Republic of Ireland work subject to UK jurisdiction
- Tools and Stock cover available
Liability Wages & Turnover
Our Liability Wages & Turnover products are suitable for companies or individuals that require Public and Products’ liability insurance to protect them for their business activities. In addition, the product also provides the option to cover Employers’ liability insurance and/or Contractors All Risks Insurance. Contractors All Risks Insurance is an add-on provided by the insurers HSB Engineering Insurance Limited.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Builders | £1,413.11 | 23.49% |
| Retail (Sales only) | £241.80 | 53.13% |
| Dog Walking/Pet Sitting | £249.05 | 36.00% |
| Caterers | £469.73 | 41.18% |
| Warehouses/Wholesalers | £685.15 | 48.28% |
| Haulage and Drivers of HGVs | £904.28 | 25.00% |
| Clerical | £582.88 | 66.67% |
| Property Management | £277.00 | 75.00% |
| Car Wash - Hand Only | £671.10 | 69.23% |
| Taxi Drivers | £726.01 | 25.81% |
Insurer Ratings
| Insurer | AM Best | S&P |
| Ascot Group’s Syndicate 1414 at Lloyd’s | A | A+ |
Comparison Table
Features & Benefits
Wages & Turnover
- Public & Products Liability available up to £10,000,000, excluding use of heat
- Public & Products Liability available up to £5,000,000, including use of heat
- No limit on the number of employees – Up to £5,000,000 turnover
- Bona Fide Sub Contractors included FREE of charge, for annual payments up to £100,000
CAR
- Contract Limit available up to £1,500,000
- Contract Works on or adjacent to the site of any Contract and whilst in Transit covered on an All Risks basis up to handover and 14 days thereafter where required by Contract
- 180 days additional cover beyond completion for private dwelling houses
- 12-month maintenance period for visits and defects liability
Land Liability
Our Land Liability product is underwritten by Ascot Syndicate 1414 at Lloyd’s and is suitable for landowners who require public liability insurance for their private fields, private roads, moorlands, pastures, woodlands, fishing lakes, car parks, arable land and development plots. With the exception of development plots, this product is not suitable for land that is used for commercial purposes.
Top Performing Areas
| Trade | Average NB GWP | NB Policy Conversion |
| Grazing, Moorland or Woodland | £167.94 | 47.32% |
| Development Site | £284.58 | 50.96% |
| Private Road | £195.20 | 46.18% |
| Undeveloped Pasture | £135.78 | 54.41% |
| Car Park (Up to 50 Spaces) | £296.88 | 32.39% |
| Private Gardens | £183.22 | 41.98% |
| Arable Land | £360.18 | 24.78% |
| Rough Country | £166.88 | 40.00% |
| Self Build | £288.57 | 39.76% |
| Moorland | £201.06 | 45.65% |
Insurer Ratings
| Insurer | AM Best | S&P |
| Ascot Group’s Syndicate 1414 at Lloyd’s | A | A+ |
Features & Benefits
- Land Owners’ Liability available up to £10,000,000
- Can accommodate plots of land which contain water courses
- Wide variety of land types accepted including development sites and private roads
- Multiple size bandings, starting from under 2 acres
- We can accommodate risks over 100 acres subject to referral
- Includes cover for Cross Liabilities
- Includes Compensation for Court Attendance
- Cover for claimants’ costs, fees and expenses following a sudden, identifiable, unintended and unexpected pollution incident occurring in its entirety at a specific time and place
Accepted Areas
Contract Cleaners
Our Contract Cleaner’s product is underwritten by Ascot Syndicate 1414 at Lloyd’s and is suitable for cleaning companies that require public, products and employers’ liability. The product also includes treatment damage and misuse of telephone cover as standard. In addition, the product provides the option to cover material damage insurance for customers’ tools and/or stock. It can include the following optional covers: Financial Loss cover and lock and/or key replacement cover. The product is not suitable for companies and/or individuals that are seeking insurance for non-cleaning business activities*.
*Commercial Express would consider incidental non-cleaning business activities.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Domestic Household (including end of tenancy) Cleaners | £467.71 | 40.08% |
| Office (including Doctors & Dentist Surgeries) and/or Shop Cleaners | £692.95 | 27.00% |
| Domestic/Commercial Window Cleaners | £515.80 | 39.62% |
| Exterior Building and Roof Cleaners | £599.90 | 29.09% |
| Window Cleaners (Reach Pole Only) | £401.26 | 29.41% |
| Care Homes, Hotel, Pub, Restaurant, University/College, & School Cleaners | £545.61 | 27.91% |
| Carpet & Upholstery Cleaners | £368.74 | 30.00% |
| Factory, Warehouse, Ductwork and Ventilation Cleaners | £1,173.89 | 27.27% |
| Motor Vehicle Valets (Including Commercial Vehicles) | £539.88 | 24.73% |
| Drain and Gutter Cleaners | £904.69 | 50.00% |
Insurer Ratings
| Insurer | AM Best | S&P |
| Ascot Group’s Syndicate 1414 at Lloyd’s | A | A+ |
Features & Benefits
- Treatment cover up to £30,000 free of charge
- Damage to items being worked upon cover up to £100,000 free of charge
- £1,000 Stock cover free of charge
- £1,000 Business equipment cover free of charge
- Misuse of telephones cover up to £5,000 free of charge
- Public & products liability up to £10,000,000 (options starting from £1,000,000)
Accepted Trades
Market Traders & Online Retailers
Our Market Traders & Online Retailers product is underwritten by Ascot Syndicate 1414 at Lloyd’s and is suitable for market traders (including car boot sales) and online retailers that require public, products and employers’ liability insurance. The product is not suitable for any market trader or online retailer that has a turnover that exceeds £100,000. In addition the product provides the option for stock, money and/or equipment insurance.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Clothing | £161.35 | 39.22% |
| Arts and Crafts | £103.71 | 40.41% |
| Jewellery | £131.29 | 45.45% |
| Toy Seller | £118.96 | 48.28% |
| Handmade Gifts | £101.12 | 36.05% |
| Cosmetics | £118.84 | 29.27% |
| Home Baked Goods | £114.97 | 58.54% |
| Pet food and Accessories | £108.52 | 33.33% |
| Homeware | £136.10 | 42.86% |
| Candles/Bath Bombs/Soaps/Wax Melts | £121.93 | 32.79% |
Insurer Ratings
| Insurer | AM Best | S&P |
| Ascot Group’s Syndicate 1414 at Lloyd’s | A | A+ |
Features & Benefits
- Public / Products Liability cover available up to £10,000,000
- Products Liability on the majority of trades, anywhere in the world (other than USA / Canada)
- £500 Free Stock Cover
- £500 Free Money Cover
- Worldwide cover for non-manual employees normally resident in the UK who are temporarily working overseas
- Indemnity to principal as standard
Optional Extras
- Employers’ Liability cover available up to £10,000,000
- Equipment Cover – Up to £10,000
- Up to £10,000 Stock Cover
- Up to £5,000 Money Cover
Accepted Trades
Commercial & Industrial Property Owners
Our Commercial & Industrial Property Owners’ products are suitable for commercial and/or industrial properties that are tenanted, owner-occupied or vacant.
These products provide insurance cover for buildings, contents, loss of rent and property owners’ liability insurance.
In addition, terrorism covers can be added onto our commercial & industrial property owners’ products.
The Commercial & Industrial property owners’ products are not suitable for residential properties.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Unoccupied | £1,680.26 | 34.69% |
| General Grocer/off licence | £663.74 | 41.55% |
| Offices | £771.71 | 35.61% |
| Off Licences | £643.63 | 42.86% |
| Garage - lock up | £348.29 | 43.48% |
| Hairdressers | £757.99 | 27.51% |
| Fish & Chip Shop | £1,484.20 | 18.09% |
| Cafe (deep fat frying) | £1,146.04 | 38.50% |
| Beauty Salon | £828.76 | 21.41% |
| Cafe (no deep fat frying) | £984.51 | 34.60% |
| Motor Garages - body repairs workshop | £1,130.50 | 34.67% |
| Barbers | £618.45 | 27.14% |
| Motor Garages - other workshop | £1,065.95 | 31.76% |
| Clothing retailer | £858.66 | 30.82% |
| Office (Excluding taxi offices) | £657.74 | 34.40% |
Insurer Ratings
| Insurer | AM Best | S&P |
| Ascot Group’s Syndicate 1414 at Lloyd’s | A | A+ |
| AmTrust Europe Ltd | A- | N/A |
| SCOR Syndicate 2015 at Lloyd’s | A+ | AA- |
| BRIT | A | A+ |
Features & Benefits
Scheme – Ascot Group’s Syndicate 1414 at Lloyd’s
- Alternative Accommodation – Up to £150,000
- Property Owners’ Liability – Up to £2,000,000 LOI
Scheme – AmTrust Europe Ltd
- Alternative Accommodation – Up to £150,000
- Property Owners’ Liability – Up to £2,000,000 LOI
Scheme – SCOR Syndicate 2015 at Lloyd’s
- Theft of Keys – Up to £1,000
- Property Owners’ Liability – Up to £2,000,000 LOI
Scheme – BRIT
- Alternative Accommodation – 25% of the Total Sum Insured
- Malicious damage – Up to the sum insured
Comparison Table
Shop
Our Shop products are suitable for retailers, hair and beauty salons, tattoo parlours and shop front bakeries or butchers. This is a material damage and liability package product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit and book debts combined with public, products and employers’ liability insurance. In addition, the product also provides the option to cover legal expenses and terrorism cover.
Top Performing Trades
Scheme: AmTrust/Ascot
| Trade | Average NB GWP | NB Policy Conversion |
| Retailers - E-Cigarettes | £853.78 | 44.12% |
| Tanning Salon | £978.32 | 40.00% |
| Tattoo Studio | £477.67 | 30.00% |
| Retailers - Furniture | £615.89 | 40.00% |
| Retailers - General Grocers | £1,232.14 | 20.00% |
| Retailers - Greengrocers | £932.59 | 66.67% |
Scheme: Brit/Ascot
| Trade | Average NB GWP | NB Policy Conversion |
| Retailers - Off Licences | £825.83 | 50.00% |
| Retailers - General Grocers | £845.51 | 42.80% |
| Retailers - Clothing (Fashion) | £886.87 | 42.62% |
| Retailers - Newsagents | £700.45 | 46.43% |
| Retailers - Carpets | £609.69 | 48.78% |
| Retailers - Clothing (Other Clothing) | £644.60 | 50.00% |
| Bakery - Shopfront (baking on premises) | £622.55 | 48.48% |
| Post Offices | £811.51 | 58.33% |
| Retailers - Furniture | £894.34 | 76.47% |
| Retailers - Greengrocers | £1,246.50 | 41.38% |
Scheme: Ascot
| Trade | Average NB GWP | NB Policy Conversion |
| Retailers - E-Cigarettes | £863.65 | 50.00% |
| Retailers - Greengrocers | £1,048.63 | 75.00% |
| Tattoo Studio | £549.30 | 40.00% |
| Bakery - Shopfront (baking on premises) | £1,082.39 | 62.50% |
| Opticians | £832.29 | 55.56% |
| Retailers - General Grocers | £1,576.81 | 21.26% |
| DIY Stores (Including Woodworking) | £1,150.08 | 37.50% |
Insurer Ratings
| Insurer | AM Best | S&P |
| AmTrust Europe Ltd | A- | N/A |
| Ascot | A | A+ |
| BRIT | A | A+ |
Features & Benefits
- Tailored Liability & Property Insurance for Shops
- Up to £3,000,000 Sums Insured Accepted
- Multiple Shops Accepted On One Policy
- Minimum Premium from £264.00 (includes IPT & Fee)
Accepted Trades
Fast Food & Restaurant
Our Fast Food & Restaurant product is suitable for restaurants, cafés, and takeaways. This is a material damage and liability package product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit, and book debts combined with public, products and employers’ liability insurance. AmTrust Euope Ltd underwrite the material damage cover and Ascot underwrite the liability sections of cover.
In addition, the product also provides the option to cover legal expenses and terrorism cover. Furthermore, the product can be extended to include liability insurance for catering activities away from the premises.
The product is not suitable for restaurants and/or takeaways that do not trade from a permanent fixed premises.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Fish & Chip Shop closes at 11pm or before | £1,300.60 | 24.61% |
| Cafe (deep fat frying) | £1,001.69 | 25.19% |
| Cafe (no deep fat frying) | £832.74 | 32.66% |
| Restaurant - Thai (deep fat frying) | £864.38 | 40.79% |
| Takeaway - Pizza | £1,073.33 | 16.75% |
| Takeaway - Chinese | £809.64 | 21.22% |
| Restaurant - Italian (deep fat frying) | £1,537.81 | 32.81% |
| Restaurant - European (deep fat frying) | £1,284.89 | 30.00% |
| Restaurant - English (deep fat frying) | £1,917.14 | 21.33% |
| Takeaway - Japanese | £1,189.19 | 41.67% |
Insurer Ratings
| Insurer | AM Best | S&P |
| AmTrust Europe Ltd | A- | N/A |
| Ascot | A | A+ |
Features & Benefits
- Tailored Liability & Property Insurance for Restaurants & Takeaways
- Public, Products & Employers’ Liability Included Standard
- Appetite Extends to Cafés and Fish & Chip Shops
- FREE £250,000 Loss of Profits Cover
- FREE £2,000 Goods in Transit Cover
- FREE Personal Assault Cover
Accepted Trades
Hair & Beauty
The Hair & Beauty product is designed for freelance/mobile hairdressers, barbers and/or beauticians or individuals/companies that own a hair salon, beauty salon or barbershop. This product is available as a stand-alone liability policy for mobile hair and beauty professionals (including rent-a-chair arrangements), or a material damage and liability package product from those with premises that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit and book debts combined with public, products and employers’ liability insurance. Ascot underwrite the material damage sections and Axis underwrite the liability portion of the cover.
In addition, the product also provides the option to cover legal expenses and terrorism cover.
The product is not suitable for persons or companies that do not operate as a hair &/or beauty business.
In addition, the product also provides the option to cover legal expenses and terrorism cover. Furthermore, the product can be extended to include liability insurance for catering activities away from the premises.
The product is not suitable for restaurants and/or takeaways that do not trade from a permanent fixed premises.
Top Performing Trades
| Trade | Average NB GWP | NB Policy Conversion |
| Beauty Salon | £562.12 | 48.86% |
| Hair & Beauty Salon | £522.45 | 55.19% |
| Hair Salon | £509.22 | 40.49% |
| Tanning Salon | £567.48 | 48.09% |
| Barbershop | £426.22 | 38.24% |
| Mobile/Freelance Beautician | £111.98 | 37.70% |
| Mobile/Freelance Hairdresser | £195.42 | 37.21% |
| Nail Salon | £364.90 | 41.03% |
Insurer Ratings
| Insurer | AM Best | S&P |
| Axis Specialty Europe SE | A | A+ |
| Ascot | A | A+ |
Features & Benefits
- Extensive Treatment Cover (click here to view)
- Flexible Patch Testing Requirements
- Accommodates Salons & Mobile Hairdressers/Beauticians
- Training & Teaching Cover Included – we will cover a client that has teaching & training at their premises, however we do not cover the teaching & training itself from a PI perspective
Accepted Treatments
