• Per capita rated
• Choice of £1 million, £2 million or £5 million limit of indemnity
• Tax investigation and property protection cover is automatically provided

• Per capita rated
• £10 million limit of indemnity
• Employment and prosecution protection insurance is automatically provided

• All risks cover anywhere in the European Union for tools and business equipment, choice of sum insured from £1,500 to £5,000
• Tools and transit sum insured applies per person

• All risks cover at specified premises for business contents, stock, money, computer records and business books
• Business contents choice of sum insured from £2,500 to £20,000 including money cover for £1,000 in safe and transit and £500 out of safe on premises
• Stock choice of sum insured from £1,000 to £10,000

• Additional cost of working cover with choice of sum insured from £10,000 to £50,000
• Professional trades may select gross income basis with choice of sum insured from £50,000 to £150,000
• 12 months indemnity period
• Damage in the vicinity of the insured's premises
• Failure of public utilities to the insured's premises

• Contract works with choice of sum insured from £50,000 to £250,000
• Own plant with choice of sum insured of £10,000 or £25,000
• Hired in plant with choice of sum insured from £10,000 to £50,000
• Cover applies for loss or damage:
  • on the contract site
  • in transit to and from the contract site
  • for materials temporarily stored elsewhere
  • at the insured's premises
  • plant and machinery undergoing maintenance or repair elsewhere
• Includes continuing hire charges for hired in plant up to 60 days (excluding first 48 hours)

• Cover available on a 24 hour basis or occupational only
• Benefit levels of £10,000 capital benefits and £50 weekly benefit for temporary total disablement per unit
• Can purchase up to ten units per person

• Excess layer PL/ Products

• Farms
• Hauliers
• Residential care and nursing homes
• Motor trade risks

(Please note: cover for farms, care homesand motor trade risks is only available through schemes and bespoke facilities).

• Contracting
• Asbestos removal
• Asphalt/road contractors
• Demolition contractors
• Industrial cleaners
• Market traders
• Motor trade connected risks
• Pile driving
• Salvage and scrap dealers
• Sand blasting
• Scaffolding
• Tree felling

• Bailiff
• Child minder
• Claims adjusters and assessors
• Employment and recruitment agents
• Musicians
• Travel and tour operators