Underwritten by: Ascot Group’s Syndicate 1414 at Lloyd’s & Irwell Insurance Company Limited
The below Product information applies to new policies only taken out with effect from 13/01/2025, for existing business please see footer.
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.
£1,500 Tools Cover included as standard
£1,000 Money included as standard
£1,000 Stock and Materials included as standard
Multi-Trades without Referral
Bona Fide Sub Contractors included FREE of charge, for annual payments Up to £100,000
Financial Loss Cover – Up to £50,000 included as standard
Up to £5,000 Event/Market Cancellation Cover included as standard*
*Only available via the Wages and Turnover – Protect and Wages & Turnover Assured Products
For the full Target Market Statement and supporting information please click here
Features and Benefits
- Public & Products Liability – Up to £10,000,000 – (£5,000,000 if any heat work)
- Worldwide Products Cover (Ex USA/Canada) Unsatisfied Court Judgments Cover
- Accidental Discovery of Notifiable Asbestos and Work with Non Notifiable Non Licensed Asbestos (Employers’ Liability Extension Up to £5,000,000)
- Cover Automatically includes temporary manual work on the European Economic Area
- Statutory Defence Costs
- Court Attendance Costs
- Indemnity to other Person(s) and Parties
- Defective Premises Act Defence Costs
- Unsatisfied Court Judgements
- Overseas Business and Personal Liability Cover
- Consumer Protection and Food Safety Acts Defence Costs
- Indemnity to Principals Extension
- Motor Contingent Liability Cover
For further information on Limits and Exclusions please click here to download the policy documentation
Optional Extras
- Employers’ Liability Cover Up to £10,000,000
- Loss of Stock (Up to £25,000) £1,000 (Included as Standard)
- Loss of Money (Up to £10,000) £1,000 (Included as Standard)
- Tools & Business Equipment (excluding plant) £1,500 (Included as Standard)
- Loss of licence (e.g. for mobile bar caterers)
- Deterioration of Stock Cover
- Business Interruption
- Legal Expenses via ARAG £100,000 policy limit (Option to include Employment Tribunal)
Insurer Rating
Insurer Panel
AM Best
S&P
Ascot Group’s Syndicate 1414 at Lloyd’s
Irwell Insurance Company Limited
A+
B++ (Positive)
AA
N/A