Scheme: Irwell Insurance Company Limited
Our Wages & Turnover product provides liability insurance for small to medium-sized businesses, covering 300+ approved trades, including contractors and motor trade with a flexible panel arrangement and optional covers available.
£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