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Liability Calculator for Electrical Contractors
Liability
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DIRECTORS,
PRINCIPLES & EMPLOYEES (Back To Top)
Include all manual employees of the firm
SUBCONTRACTORS (Back
To Top)
Labour Only Subcontractors: rate as
Employees.
Bona fide Subcontractors included free of charge provided that payments to them
do not exceed £20,000
per annum.
DlRECTORS OF LlMlTED
COMPANlES (Employers' Liability) (Back
To Top)
Manual directors of limited companies must be rated as Employees and the
appropriate Employers' Liability premium charged.
Tools
- Cover (Back
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Provides cover for loss of
or damage to hand tools and hand held portable power tools for use in connection
with the business the property of, or hired in by, any manual principal, partner
or director included in the Public Liability cover.
There are two levels of cover:
(a) Standard - excludes losses from any unattended motor vehicle or trailer
caused by or arising from theft or attempted theft.
(b) Standard Plus - includes losses from any unattended motor vehicle or trailer
caused by or arising from theft or attempted theft.
This cover is optional but if required all manual
principals, partners or directors must be included for the same level of cover
Sum
Insured (Back
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The maximum liability of the Company in respect of the amount payable
to any one lnsured Person shall not exceed:
The maximum liability of the Company in respect
of the amount payable to any one lnsured Person shall not exceed:
£1,250 during any one period of insurance: Subject to the deduction of the
excess.
£250 in respect of any one tool: Subject to the deduction of the excess.
Principle
Exclusions (Back
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The first £250 of each and every
occurrence of loss or damage caused by theft or attempted theft from any
unattended motor vehicle or trailer not contained in a securely locked building
or guarded security park (applicable for Standard Plus cover only).
The first £60 in respect of any other cause.
Loss of or damage to tools caused by theft or attempted theft if they are left
unattended unless they are contained in a securely locked motor vehicle, trailer
or room and there is evidence of forcible or violent entry.
NB. Standard cover excludes losses from any unattended motor vehicle or
trailer caused by or arising from theft or attempted theft.
Loss or damage to tools while lent or hired out.
Loss or damage caused by wear, tear, rust, mechanical or electrical breakdown or
any process of cleaning, repair or restoration.
Loss of or damage to ladders, generators, transformers or any other equipment or
tool not designed to be applied to the work directly by hand.
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