Construction insurance with a human touch

Transcription

1 Construction insurance with a human touch

2 Contents About Focus 2 The 110% Range 3 CL110% Contractor Liability 4 HR110% High Risk Liability 5 CAR110% Contractors All Risks 6 PH110% Plant Hirers 7 CC110% Commercial Combined 8 NS110% Non-standard Trade 9 HZ110% Hazardous Location Liability 10 XS110% Excess of Loss 11 LX110% Legal Expenses 12 Contact details 13 1

3 It s wonderful to be able to pick up the phone and talk to somebody Construction insurance with a human touch Since being established in 1998, we have become one of the UK s leading specialist construction underwriters. Our limited agency base gives our partner brokers a competitive edge when quoting and increases the chance that you will win the business. We don t sell direct. The Focus 110% range of unique schemes includes contractor liability, high risk liability, plant hire, excess layer, contract works and commercial combined which are all tailored to the needs of your clients. Our detailed knowledge of the construction market has helped ensure policy wordings are amongst the most extensive in the industry. Carefully selected insurer partners include Zurich, Novae, Liberty, MMA, Chartis and Abbey Legal Protection. We are described by brokers as accommodating, accurate, fast, flexible, friendly, helpful and reliable. Most importantly, our brokers regard Focus as, experts in construction and especially like the fact that they can talk to their dedicated underwriter. This obviously works, as one broker said, It s wonderful to be able to pick up the phone and talk to somebody. So, please call me, Toby Catlin, on , tobycatlin@focus-insurance.com or visit Focus Insurance is a part of BJP Insurance Brokers Ltd, authorised and regulated by the FSA. 2

4 The 110% Range We ve called our product range the 110% Range. This represents what we aspire to deliver to all our brokers and their clients in everything that we do. Before you read the details about our 110% range, there are some features that come as standard and apply to all our products: Fast quote turnaround We are prepared to discuss any risk Underwriters keen to help you to win the business Unique, tailored, extensive wording Our product range CL110% Contractor Liability HR110% High Risk Liability CAR110% Contractors All Risks PH110% Plant Hirers CC110% Commercial Combined NS110% Non-standard Trade HZ110% Hazardous Location Liability XS110% Excess of Loss LX110% Legal Expenses 3

5 You get good turnaround of quotes and everything that s in there is in plain English CL110% Contractor Liability Our Contractors Combined scheme, underwritten with Zurich, provides wide, bespoke contracting cover with very flexible wording and underwriters who are keen to help. No bona fide subcontractors warranty No end-of-year declarations Statement of fact basis no proposal form required Efficacy cover included Financial loss (tort) cover Flexible underwriting approach Turnover limit of 10m Minimum premiums as low as m EL and up to 5m PL/products Flexible excess layers up to 50m on both EL and PL Comprehensive legal expenses package option to extend cover to include contract disputes Target markets include Builders Carpenters and Joiners Double Glazing Installers Ductwork Contractors Fencing Contractors Groundworkers Guttering/Fascia Boarding Installers Kitchen Installers Painters and Decorators Plant Hirers specialist covers available Plumbers Shopfitters Construction insurance for selected brokers only 4

6 I like to be able to pick up the phone and make a decision HR110% High Risk Liability Underwritten by specially selected quality insurers, the HR110% caters for most high risk contracting trades. Primary public, products and employers liability, and excess covers. Statement of fact basis no proposal form required Flexible underwriting approach Wide wordings often no working height or depth limits as standard Most high risk contracting trades covered 1,000 minimum policy premium no section minimums Turnover limit of 5m Target markets Demolition Diamond Drillers Groundworkers Lift Engineers Rail Workers inc. Red Zone Roofers Rope Access Scaffolders Skip Hire Steeplejacks Waste Management Welding and Fabrication Specialist knowledge, specialist insurance, specialist service 5

7 They seem to be on the money with most of the quotes CAR110% Contractors All Risks Underwritten by Zurich, this offers excellent security, with extensive, uniquely tailored wording. This can be standalone or with liability. Single contract cover available Statement of fact basis no proposal form required Flexible underwriting approach Turnover limit of 10m Minimum premium of 500 Flexible excesses No end of year declaration Target markets Most trades including the more hazardous occupations. Construction underwriters since

8 Their products and wordings are really good PH110% Plant Hirers This is a policy specifically created for plant hirers under CPA (or similar) conditions. Underwritten by Zurich, you can place plant hire contractors where hire of plant is their sole business, or just one element. We offer great discounts for claim free risks. Allows hire out with or without driver Own plant covered and cross hire Ongoing loss of hire charges Flexible excess Gap cover and alternative hire charges Cover may attach to the Contractors Combined scheme allowing EL, PL, CAR, and plant hire to be included on one policy Statement of fact basis no proposal form required Turnover limit of 10m Non adjustable policy Own plant limit Target markets Ideal for all plant hirers with turnover up to 10m. Where traders and trades matter 7

9 Because they are brilliant CC110% Commercial Combined Perhaps it s because we re known for our construction expertise that our other products can get overlooked! However, we do write a wide range of commercial combined business too. Underwritten by MMA, the CC110% should be considered when placing manufacturing, engineering, wholesale or warehousing risks. Our core business expertise also provides us with an understanding of the needs of your construction clients in relation to their stock in the open requirements. Statement of fact basis no proposal form required Premiums start at 350 Low policy excess from 250 BI extensions included as standard: Unspecified customers/suppliers Storage/contract sites Target markets Adopted across multiple business sectors, including: Manufacturing Engineering Wholesale Warehousing Construction Denial of access National Lottery syndicate wins Transit Public utilities Glass and money cover included as standard Goods in transit cover available Primary 10m EL and up to 5m PL/products Excess EL and PL available Extensive wording as a matter of policy 8

10 The service is very good NS110% Non-standard Trade Underwritten with Novae this caters for unusual and non-standard risks. Primary public, product and employers liability, and excess covers. Low minimum premiums Wide wordings Construction and non-construction clients Exports up to 20% of turnover to North America Most trades/professions covered Examples of unusual trades we will consider anything Construction of gorilla enclosures Installation of bio-digesters at farms Biofuel manufacture Taxi marshals Indoor children s play centre Cleaning contractors crime scene/post fatality Climbing wall manufacture Badger and water vole consultants Measurement of elongation of bolts when tightened under correct load by use of ultrasound and laptop Sheep farming, breeding, artificial breeding and associated activities Where traders and trades matter 9

11 Good on contractors good wording, good premiums, good service, good people HZ110% Hazardous Location Liability Underwritten with Novae the HZ110% is ideal if your client works at hazardous locations. Caters for nearly every profession, occupation or trade Low minimum premiums Wide wordings Construction and non-construction clients Most trades/professions covered Some of the hazardous locations we cover include Airside Bridges and Tunnels Dockside Target markets include Any trade working at hazardous locations which may be excluded under a standard liability policy. London Underground MoD Sites Nuclear Installations Quarries Red zone Rail Areas Extensive wordings as a matter of policy 10

12 If we need a quote within two hours then nine times out of ten we can get one XS110% Excess of Loss Underwritten by market-leading insurers including Novae, Chartis and ACE. It is available for construction and general businesses and there are very few excluded trades. We are prepared to discuss any risk. Excess layers up to 20m on EL and PL Low minimum premiums from 375 Target markets Construction and non-construction including hazardous locations. Construction underwriters since

13 Fast, reliable, friendly service, excellent levels of cover LX110% Legal Expenses We understand the value of specialists. That s why, for the past 10 years, we have partnered with Abbey Legal Protection specialists in their field. Abbey s product is honest, wide in coverage and written in plain English. You will find Abbey s cover (underwritten 100% by Brit) included as standard on many Focus products. You can also purchase stand alone cover. (it may be extended to include contract disputes) Statement of fact basis no proposal form required Criminal Prosecution (including Bribery Act) Employment Disputes Tax Protection Property Disputes Data Protection Statutory Licence Personal Injury Wrongful Arrest Defence Jury Service Allowance Pension Trustee Defence Target markets The LX110% is available for most trades Construction underwriters since

14 Want to know more? Our unique partnerships with leading insurers, such as Zurich, Novae, Liberty, MMA, Chartis and Abbey Legal Protection, combined with our strong service ethos means we can offer you the fast, comprehensive, flexible and cost effective insurance solutions that your clients seek. Our highly skilled, professional team are waiting to hear from you and to discuss your specific cover requirements in detail. For an exploratory discussion around any of our offerings, or for an immediate quotation, please contact: Toby Catlin Underwriting Manager Focus Southgate House Wokingham Berks RG40 2BJ UK Telephone For other departments, please contact: Main switchboard