Per capita liability

Liability & Construction

Covers many trades including high risk trades, professional and administrative, anywhere in the UK


This cover includes Public and Employers Liability insurance and is specifically aimed at a number of trades/businesses that comes into regular contact with members of the public or clients.

Quote, bind & renew this product online

Save time by issuing cover for majority of our products online. You can receive quotes immediately, benefit from fast-track referral and confirm cover and issue policy documents.

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Key documents

Policy wording

Trades List

Product Oversight & Governance


Submit a claim

Complete our online form.

Alternatively, if the loss or damage is extensive, please call our Claims Department as soon as possible. Full contact details here.


  • Designed for most small to medium sized business and tradesman with a maximum 10 employees (inclusive of working principles, employees and LOSC), plus up to two temporary workers when the number may fluctuate from the maximum number of persons for short periods of time.
  • In addition, Bona-Fide Sub Contractor (BFSC) if no more than 15% of annual turnover.
  • Available for risks up to £1M annual turnover.
  • Minimum one year experience.
  • Dual Trades available.
  • Ability to offer six month policy.

Additional cover

Via our partner Nice 1, you have access to ancillary insurance products that will cover items such as ‘tools in vehicle’. Furthermore, you may quote and bind our ‘plant and equipment’ product via our Broker Portal too.

To find out more about our complimenting products, visit our product page.

Access our knowledgeable underwriters directly. Simply click the link to access the teams contact details.

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