General Liability

Overview

Designed for a wide range of sectors providing cover for your legal liability. This can arise as a result of negligence, during the course of your business activities, where a third party or employee (UK business only) claims to have suffered bodily injury or, in the case of third parties, damage to property.

At Sagicor we have the ability to develop bespoke policies with the aim of meeting your client’s individual requirements. We specialise in the following classes:

• Public / Third Party Liability
• Products Liability
• Employers’ Liability written as primary in the UK and excess of international statutory limits / appropriate deductibles
• Pollution Liability - sudden and accidental only
• Construction Liability – annual and project specific wrap-up liability up to 60 months in duration plus completed operations
• Excess and Umbrella Liability
• Incidental Errors and Omissions Liability
• Our specialist team of underwriters are on hand to work with you to provide the support you need.

SECURITY

Lloyd’s is the best possible platform upon which to build our insurance and reinsurance business. It offers many advantages both to ourselves as insurers and reinsurers, as well as the policyholders’ interests we serve. Not least of these is the reassurance of financial security and stability; Lloyd’s currently holds A+ ratings from Fitch Ratings and Standard & Poor’s, and an A rating from A.M. Best. Lloyd’s unique capital structure provides a high degree of protection for our policyholders.

Trade Sectors

We write business across the main industry groups as below:

• Accommodation, food and beverage services
• Agriculture
• Business and service industries
• Charities and not for profit organisations
• Construction, erection and installation
• Exhibitions and events
• Forestry
• Manufacturing and processing
• Media, publishing and printing
• Mining – excess of loss only other than for junior mining companies
• Onshore energy – excess of loss only other than for lower hazard exposures

• Property owners, landlords & tenants

  Public entities

  Recreational, cultural and sporting activities

  Recycling, sanitation and refuse disposal

  Religious organisations

  Retail and wholesale

  Travel and Tourism

  Telecommunications – excess of loss only

  Transportation – excluding primary passenger transport

  Utilities – excess of loss only

Policy Limits

Maximum Limits available are follows:

• GBP 12,500,000

• USD 25,000,000

  AUD 25,000,000

  CAD 25,000,000

Territories

We have expanded our territorial appetite in 2013 and will consider business from the following territories:

• Australia
• Canada
• Caribbean
• Central America
• Europe
• Far East
• Middle East
• South Africa
• South America 
• United Kingdom

Risk profile

• International SME business on a binder basis
• Mid corporate business on both a primary and excess of loss basis
• Large corporate / multinational business - excess of loss only

USA Exposure

• We can entertain a degree of USA exports for non US domiciled Insureds

Get In Touch

To find out more about the Sagicor at Lloyd's Liability team please contact  info@sagicor.eu