Construction insurance with a human touch

Contents

About Focus 2

The 110% Range 3

CL110 Contractor Liability 4

HR110 High Risk Liability 5

CAR110 Contractors All Risks 6

PH110 Plant Hirers 7

CC110 Commercial Combined 8

NS110 Non-standard Trade 9

HZ110 Hazardous Location Liability 10

XS110 Excess of Loss 11

LX110 Legal Expenses 12

Contact details 13

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Construction insurance with a human touch

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“It’s wonderful to be able to pick up the phone and talk to somebody”

Since being established in 1998, we have become one of the UK’s leading specialist construction underwriters.

Our limited agency base gives our partner brokers a competitive edge when quoting and increases the chance that you will win the business.

We don’t sell direct.

The Focus 110% range of unique schemes includes contractor liability, high risk liability, plant hire, excess layer, contract works and commercial

combined which are all tailored to the needs of your clients. Our detailed knowledge of the construction market has helped ensure policy

wordings are amongst the most extensive in the industry. Carefully selected insurer partners include Zurich, Novae, Liberty, MMA, Chartis and

Abbey Legal Protection.

We are described by brokers as accommodating, accurate, fast, flexible, friendly, helpful and reliable. Most importantly, our brokers regard

Focus as, ‘experts in construction’ and especially like the fact that they can talk to their dedicated underwriter. This obviously works, as one

broker said, “It’s wonderful to be able to pick up the phone and talk to somebody”. So, please call me, Chris Jeffery, on 0845 345 0932,

email [email protected] or visit www.focus-insurance.com.

Focus Insurance is a part of BJP Insurance Brokers Ltd, authorised and regulated by the FSA.

The 110% Range

We’ve called our product range the 110% Range. This represents what we aspire

to deliver to all our brokers and their clients in everything that we do. Before you read

the details about our 110% range, there are some features that come as standard

and apply to all our products:

• Fast quote turnaround

• We are prepared to discuss any risk

• Underwriters keen to help you to win the business

• Unique, tailored, extensive wording

Our product range

CL110 Contractor Liability

HR110 High Risk Liability

CAR110 Contractors All Risks

PH110 Plant Hirers

CC110 Commercial Combined

NS110 Non-standard Trade

HZ110 Hazardous Location Liability

XS110 Excess of Loss

LX110 Legal Expenses

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We are always happy to talk, call Chris Jeffery on 0845 345 0932 or email [email protected]

CL110 Contractor Liability

Target markets include

• Builders

• Carpenters and Joiners

• Double Glazing Installers

• Ductwork Contractors

• Fencing Contractors

• Groundworkers

• Guttering/Fascia Boarding Installers

• Kitchen Installers

• Painters and Decorators

• Plant Hirers – specialist covers available

• Plumbers

• Shopfitters

Our Contractors Combined scheme, underwritten with Zurich, provides wide, bespoke contracting cover with very flexible wording –

and underwriters who are keen to help.

A few of the benefits and cover features your quotation may enjoy

• No bona fide subcontractors warranty

• No end-of-year declarations

• Statement of fact basis – no proposal form required

• Efficacy cover included

• Financial loss (tort) cover

• Competitive premium finance plans on all quotes

• Flexible underwriting approach

• Turnover limit of £10m

• Minimum premiums as low as £350

• £10m EL and up to £5m PL/products

• Flexible excess layers up to £50m on both EL and PL

• Comprehensive legal expenses package – option to extend

cover to include contract disputes

4

Construction insurance for selected brokers only

“You get good turnaround of quotes and everything that’s in there is in plain English”


HR110 High Risk Liability

Underwritten by specially selected quality insurers, the HR110 caters for most high risk contracting trades. Primary public,

products and employers liability, and excess covers.




• Wide wordings – often no working height or depth limits as standard

• Most high risk contracting trades covered


• £1,000 minimum policy premium – no section minimums


Target markets

• Demolition

• Diamond Drillers

• Groundworkers

• Lift Engineers

• Rail Workers inc. Red Zone

• Roofers

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Specialist knowledge, specialist insurance, specialist service

“I like to be able to pick up the phone and make a decision”

• Rope Access

• Scaffolders

• Skip Hire

• Steeplejacks

• Waste Management

• Welding and Fabrication


CAR110 Contractors All Risks

Underwritten by Zurich, this offers excellent security, with extensive, uniquely tailored wording. This can be standalone or with liability.


• ‘Single contract’ cover available





• Minimum premium of £500

• Flexible excesses

• No end of year declaration

Target markets

Most trades including the more hazardous occupations.

Construction underwriters since 1998

“They seem to be ‘on the money’ with most of the quotes”

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PH110 Plant Hirers

This is a policy specifically created for plant hirers under CPA (or similar) conditions. Underwritten by Zurich, you can place plant hire

contractors where hire of plant is their sole business, or just one element. We offer great discounts for claim free risks.


• Allows hire out with or without driver

• Own plant covered and cross hire

• Ongoing loss of hire charges

• Flexible excess

• Gap cover and alternative hire charges

• Cover may attach to the Contractors Combined scheme allowing EL, PL, CAR, and plant hire to be included on one policy




• Non adjustable policy

• Own plant limit

Target markets

Ideal for all plant hirers with turnover up to £10m.

Where traders and trades matter

“Their products and wordings are really good”

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CC110 Commercial Combined

Perhaps it’s because we’re known for our construction expertise that our ‘other products’ can get overlooked! However, we do write a wide

range of commercial combined business too. Underwritten by MMA, the CC110 should be considered when placing manufacturing,

engineering, wholesale or warehousing risks. Our core business expertise also provides us with an understanding of the needs of your

construction clients in relation to their stock in the open requirements.




• Premiums start at £350

• Low policy excess – from £250

• BI extensions included as standard:

Unspecified customers/suppliers

Storage/contract sites

Denial of access

National Lottery syndicate wins

Transit

Public utilities

• Glass and money cover included as standard

• Goods in transit cover available

• Primary £10m EL and up to £5m PL/products

• Excess EL and PL available

Target markets

Adopted across multiple business sectors, including:

• Manufacturing

• Engineering

• Wholesale

• Warehousing

• Construction

Extensive wording as a matter of policy

“Because they are brilliant”

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NS110 Non-standard Trade

Underwritten with Novae this caters for unusual and non-standard risks. Primary public, product and employers liability, and excess covers.



• Low minimum premiums

• Wide wordings

• Construction and non-construction clients

• Exports up to 20% of turnover to North America

• Most trades/professions covered

Examples of unusual trades – we will consider anything

• Construction of gorilla enclosures

• Installation of bio-digesters at farms

• Biofuel manufacture

• Taxi marshals

• Indoor children’s play centre

• Cleaning contractors – crime scene/post fatality

• Climbing wall manufacture

• Badger and water vole consultants

• Measurement of elongation of bolts when tightened under

correct load by use of ultrasound and laptop

• Sheep farming, breeding, artificial breeding and associated activities

Where traders and trades matter

“The service is very good”

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HZ110 Hazardous Location Liability

Underwritten with Novae the HZ110 is ideal if your client works at hazardous locations.


• Caters for nearly every profession, occupation or trade


• Low minimum premiums

• Wide wordings

• Construction and non-construction clients

• Most trades/professions covered

Some of the hazardous locations we cover include

• Airside

• Bridges and Tunnels

• Dockside

• London Underground

• MoD Sites

• Nuclear Installations

• Quarries

• ‘Red zone’ Rail Areas

Extensive wordings as a matter of policy

“Good on contractors’ – good wording, good premiums, good service, good people”

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Target markets include

Any trade working at hazardous locations which may be

excluded under a standard liability policy.


XS110 Excess of Loss

Underwritten by market-leading insurers including Novae, Chartis and ACE. It is available for construction and general businesses and there

are very few excluded trades. We are prepared to discuss any risk.



• Excess layers up to £20m on EL and PL

• Low minimum premiums – from £375

Target markets

Construction and non-construction – including hazardous locations.


“If we need a quote within two hours then nine times

out of ten we can get one”

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LX110 Legal Expenses

We understand the value of specialists. That’s why, for the past 10 years, we have partnered with Abbey Legal Protection – specialists in

their field. Abbey’s product is honest, wide in coverage and written in plain English.

You will find Abbey’s cover (underwritten 100% by Brit) included as standard on many Focus products. You can also purchase stand

alone cover.

A few of the benefits and cover features your quotation may enjoy (it may be extended to include contract disputes)


• Criminal Prosecution (including Bribery Act)

• Employment Disputes

• Tax Protection

• Property Disputes

• Data Protection

• Statutory Licence

• Personal Injury

• Wrongful Arrest Defence

• Jury Service Allowance

• Pension Trustee Defence

Target markets

The LX110 is available for most trades


“Fast, reliable, friendly service, excellent levels of cover”

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Want to know more?

Our unique partnerships with leading insurers, such as Zurich, Novae, Liberty, MMA, Chartis and Abbey Legal Protection, combined

with our strong service ethos means we can offer you the fast, comprehensive, flexible and cost effective insurance solutions that your

clients seek.

Our highly skilled, professional team are waiting to hear from you and to discuss your specific cover requirements in detail.

For an exploratory discussion around any of our offerings, or for an immediate quotation, please contact:

Chris Jeffery Cert CII Commercial Underwriter

Focus

Southgate House

Wokingham

Berks

RG40 2BJ

UK

Telephone 0845 345 0932

Email [email protected]

For other departments, please contact:

Main switchboard 0845 345 0777

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