Wages & Turnover Assured is Underwritten by: Irwell Insurance Company Limited
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.
The product is not suitable for companies and/or individuals that are seeking a full package policy to provide material damage cover for their buildings, contents, and business interruption.
£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
This product is not suitable for properties in Northern Ireland
For the full Target Market Statement and supporting information please click here
Features and Benefits
- Public & Products Liability – Up to £5,000,000
- 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
- Contractors All Risks Cover (not available if the trade is Market Traders, Motor Trade, Retailers or Outside Caterers)
- Legal Expenses via ARAG £100,000 policy limit (Option to include Employment Tribunal)
Insurer Rating
Insurer Panel
AM Best
S&P
Irwell Insurance Company Limited
B++ (Positive)
N/A