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TradeProtect
Full Product List
Liability Insurance Products
Public
Liability

Public Liability Insurance provides cover in respect of damage or injury to 3rd parties or their property.

The policy provides cover for the legal defence costs and the resulting settlement award.
Employers
Liability

Employers Liability Insurance provides cover in respect of injury or disease to employees.

The policy provides cover for the legal defence costs and the resulting settlement award.
Professional
Indemnity

Professional Indemnity policies provide cover in respect of actual or alleged errors or omissions and/or breach of professional duty.
The policy will include cover for defence costs as well as the settlement award. Sometimes the defence costs are provided in addition to the policy limit.
Directors
and Officers Liability

A Directors and Officers Liability policy will provide cover in respect of legal costs, awards and settlements in respect of claims brought personally against Directors and/or Officers.
Corporate
Liability

A Corporate Liability policy will provide cover in respect of legal costs, awards and settlements in respect of certain claims and regulatory actions brought against the company.
Employment Practices
Liability

Employment Practices Liability provides cover for claims against Employers by employees – including situations such as Unfair Dismissal, allegations of non-compliance with legislation in respect of maternity/paternity/disability situations and other employment-related issues.
JCT 6.5.1
(Non Negligent Liability)

Clause 6.5.1 (and other similar clauses) may be found within building contracts. It is also known as non-negligent liability. If this clause is specified, it may require insurance cover to be arranged for damage/injury arising from specific events, such as subsidence, heave, vibration, weakening or removal of support.
Property Insurance Products
Contractors
All Risks

Contractors All Risks (C.A.R) insurance can provide cover for loss or damage to the following items: Contract Works, Own Plant, Hired In Plant
Contract
Works

Contract Works Insurance provides cover for loss or damage to the contract works, during the contract period, and often during the subsequent maintenance period. Policies can be provided on an annual blanket basis (usually up to a specified contract limit), or on a specified site basis.
Own
Plant

Own Plant Insurance provides insurance cover for loss or damage to Own Plant . Cover can often be provided for Own Plant on site and/or at other locations (i.e your company premises / storage premises)
Hired
In Plant

Hired In Plant Insurance provides insurance cover for loss or damage to Hired In Plant. Cover can often be provided for Hired In Plant on site and/or at other locations (i.e your company premises / storage premises)
Office
Contents

An Office Insurance policy provides protection for the contents of your office. Cover often includes items such as General Contents, Computers etc
Buildings
Cover

A Buildings Insurance policy provides cover for premises such as Offices, Houses, Warehouses, Properties undergoing construction etc.
Policies will often cover risks like Fire, Flood, Escape of Water, Accidental Damage, Subsidence (although this will vary depending on the usage of the premises and the insurer/policy)
Motor Insurance Products
Fleet
Insurance

Motor Fleet Insurance is a single policy, covering a number of vehicles – normally 4 upwards (although some insurers will allow a Fleet of less than 4 vehicles)
Commercial
Vehicle

Insurance for Commercial Vehicles (from small vans to flatbed trucks, tippers and everything inbetween).

Cover can typically be provided on a Comprehensive, Third Party Fire and Theft or Third Party Only basis.
Special
Type

Insurance for Special Type Vehicles (from diggers, forklift trucks, cherry pickers and everything inbetween).
Cover can typically be provided on a Comprehensive, Third Party Fire & Theft or Third Party Only basis. There is also the ability add additional policy covers.
Other Covers
Performance
Bond

A Performance Bond is a form of security provided by a contractor to their client. It consists of a financial undertaking by a bank, insurance company or other guarantor to make a payment to the client in circumstances where the contractor has defaulted under the contract.