Public & Employers Liability Insurance

There are various types of cover available to suit the needs of different sized businesses. For the smaller contractor with 10 or less employees you can often get the best premium from a `Tradesman` package policy.

For medium sized businesses we would recommend a `Contractors Combined` policy which can provide a variety of covers including public and eplomyers liability plus contract works, hired-in plant and own plant.

For larger businesses we would recomment a `Commercial Combined` policy which can offer all forms of cover and is flexible enough to cope with work at high risk premises or unusual processes.

Tradesman Liability

These policies are available from all of the major insurers and the premiums are calculated based on the number of manual workers. Policies are available immediately and premiums start from as little as £85.00. if you would like a quote we will need to know the following:

  • Business description
  • Number of manual workers
  • Public liability limit required (£1m, £2m, £5m)

If you would like an immediate quotation please contact our commercial department on 01304 209000 or complete the enquiry form and we will contact you to discuss further.

Contractors Combined

These policies are designed for larger businesses which have a turnover over £500,000. The premium is calculated on the estimated turnover and wages and you can add addition types of cover including `contract works` and `hired-in plant` `own plant`. We can arrange immediate cover and premiums start from as little as £500.00. if you would like a quotation we will need to known the following:

  • Estimated annual turnover
  • Estimated annual wages
  • Sum insured for own plant
  • Estimated annual hiring charges for hired-in plant

If you would like an immediate quotation please contact our commercial department on 01304 209000 or complete the enquiry form and we will contact you to discuss further.

Commercial Combined

These policies are designed for businesses with a turnover of more than £1,000,000. The cover can be flexible and the sums insured can be as high as you need. if you work at high risk premises or at hazardous locations we can extend the policy to include these items which are normally excluded from standard policies.

If you have any queries or questions about Pharos, we are always happy to help. For a competitive quote, call 01304 872900.

If you have any queries or questions about Pharos, we are always happy to help. For a competitive quote, call 01304 872900.

TO MAKE A enquiry CALL 01304 872 900

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