Excluding or Restricting Liability via Contract - A Broker Briefing Document
How can policyholders use terms and conditions within their contracts to limit liability in the event of a claim?
We’ve been helping insurance brokers protect their clients for over 30 years. With expert knowledge, our talented underwriting teams create bespoke insurance policies that cater for niche industries, with the ability to offer wide cover with competitive terms.
Over the years, our range of products has been continuously developed to provide market leading cover for a range of industries requiring specialist insurance and support. These include:
• Security & Fire Protection Industries
• Electrical, Ventilation, Air Conditioning & Refrigeration Contractors
• Renewable Energy Contractors
• Facilities & Specialist Contractors
• Home & Building Automation Contractors
• Interior & Fit Out Contractors
• Airside & Aviation Product Liability (including the use of vehicles)
• XSSR Open Market Excess Of Loss
We have maintained an exclusive relationship with QBE since 1989, which has enabled us to consistently meet the needs of high-risk industries, backed up by excellent service and the security of the worldwide QBE Insurance Group.
• Our dedicated in-house claims team are well-versed in handling claims for our niche industries.
• Because we deal with a limited number of industries, we are able to ensure our technical expertise remains focused on the needs of contractors operating in those industries.
• We encourage our staff to develop their knowledge through qualifications - all underwriters and claims handlers hold Cert CII as a minimum, with some members of the team going on to advanced studies.
• We are not a call centre. Instead, we pride ourselves cultivating an experienced team of underwriters, many of whom have been with us for over ten years and understand the needs of your clients.
We work only with brokers – we do not write business direct and our TOBA reflect this commitment. We do not deal directly with clients, and feel their needs are best served by the support and knowledge of a broker local to them, who is able to access our niche products for their clients on a wholesale basis.
“The support was there from day one - which was brilliant, as we didn’t know how to claim. We had more than enough information and they wanted to help.”
