Towergate Underwriting

Max 10/10 Per Capita Liability Insurance for Brokers

Max 10/10 Per Capita
Liability Insurance

Liability insurance for between 1-10 manual workers from Towergate Underwriting Liability and Construction

Max 10/10 Per Capita Liability Insurance

Quote and Buy

The Max 10/10 policy is designed to cover most small to medium businesses with a maximum number of 10 employees. Cover is available for a wide variety of trades and occupations.

Also available is our Sole trader option, designed for tradesmen who only need to cover their own individual activities and not the activities of any employees or subcontractors working on their behalf. Under this option work undertaken at hazardous locations is excluded and there is a 15% reduction in premiums.

Cover is available for a wide a variety of trades and occupations (with the exception of work undertaken at hazardous locations), and is based on our successful Max 10/10 policy with a 15% reduction in premiums.

Key Product Features

  • Per capita rated PL and EL up to 10 manual persons
  • Discounts for no claims and risks with over 5 persons
  • Full contractors wording, including Provisional 21.2.1 extension (28 days)
  • Financial loss £25,000 (claims made basis)
  • Full contractors all risks cover available
  • Many unusual trades including extensive list of professional and administrative trades
  • No restriction on high risk premises
  • Worldwide territorial limits (ex USA Canada products)
  • Multiple occupations
  • Consortium of insurers led by RSA
  • Free commercial legal protection

Cover Provided

  • Cover for manual and clerical employees, labour only subcontractors, and bone fide sub contractors (up to 25% of turnover) within the rating structure
  • Indemnity limits of up to £10m for both public and employers’ liability are available on many trades
  • Commercial legal protection is added to all Max 10/10 policies free of charge
  • Legal costs up to £100,000
  • Employment disputes and employment compensation awards, legal defence costs, property protection, bodily injury, tax protection

Quote and Buy


Contact Us

Towergate Underwriting Liability and Construction

Weekdays: 9:00am - 5:00pm


Broker Support

If you need further help in finding the right products for your clients Towergate Broker Support are here to help.

Weekdays: 8:00am - 5:30pm

Alternatively, email us and we'll get back to you.