Hazardous Locations
& Hazardous Activities Scheme

The scheme is designed for trades undertaking work at hazardous locations and / or those undertaking hazardous activities.

We fully understand the needs of organisations connected with construction, contracting and engineering trades and those in particular involved in high risk activities or work at hazardous locations.

There are difficulties generally with the placement of liability insurances and these are more pronounced for organisations involved in high risk activities or work at high risk locations, such as Airports, Oil, Gas, or Petro Storage Depots, Towers, Steeples, Chemical Works, Bridges, Chimney Shafts, Blast Furnaces, Viaducts, Mines, Quarries, Tunneling, Dams, Reservoirs, Docks, Harbours, Piers, Wharfs, Jetties, Ships and Railways.

As a result, in many cases premiums are increased considerably or in extreme cases, insurance is not available.

However, with our established and substantial connections with Insurance Companies and Underwriters in London, we have developed unique and special arrangements whereby insurances are arranged for liability and other covers at competitive and realistic terms.


Available for the Hazardous Locations and Hazardous Activities Industries

Property Damage

Cover can be obtained on an All Risks basis including Theft and Accidental Damage for Buildings, General Contents, Stock, Fixtures and Fittings, Tenants Improvements and Business Interruption. Cover can also be extended for Goods in Transit, Computer Equipment, Loss of Money and All Risks anywhere
in the UK.

Employers Liability

You are required to effect this cover by law. It protects your legal liability in respect of accidental death, bodily injury or disease to employees arising out of and in course of his or her employment. Insurance is provided for all types of work undertaken and supplementary work carried out including building work.

Contractors All Risks

Cover can be provided for any loss or damage to the works prior to completion of the Contract. Cover can be provided on an All Risks basis for work in progress, materials in transit, or in temporary storage and at the contract site. In addition, cover can be extended to include loss or damage to your own plant and equipment, or hired-in plant including continuing hire charges.


Professional Indemnity

Cover for losses as a result of incorrect advice, design, errors or omissions whilst carrying out duties.

Pecuniary Loss

Pecuniary Loss Insurance covers businesses against purely financial losses (e.g business interruption) rather than physical damage to property.


Cover is for loss or damage to property arising from the failure of a product or work to fulfil its intended function. (Other Extensions available upon request)

Public / Products Liability

Cover is for accidental bodily injury to any customer, third party and/or damage to property arising during the course of the company’s business up to a specified limit e.g. caused by the use of tools and equipment.

Directors & Officers

Directors and Officers Liability insurance cover protects a company’s directors, officers and senior managers against claims arising from their decisions and actions taken whilst managing their business.

Fleet Insurance

Cover can be obtained for Fleets of all different types and sizes. A minimum of 2 vehicles is required up to 1,000 plus (there is no maximum number). All types of vehicles can be covered including – Business Cars, Private Cars, Vans, Trucks, HGV’s and Plant.

Legal Expenses

Cover is for commercial legal protection to protect your business against the cost of potential legal disputes as well as access to free 24 hour/365 day Helplines.

At your Service

We hope that you will appreciate that these
arrangements are unique and would welcome your enquiry without obligation.