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Electrical Fire and Security

As experienced Insurance Brokers, we recognise that not all Contracting Trades are the same and these differences mean that special attention may be required when arranging adequate and appropriate insurance protection.

The undernoted trades are just a few examples of where a ‘standard liability policy' is unlikely to provide the insurance protection that is relevant to the trade and a much greater understanding of the insurance implications of the work being undertaken are needed to ensure that important gaps in cover are avoided.

ELECTRICAL CONTRACTORS

FIRE PROTECTION CONTRACTORS

INTRUDER ALARM CONTRACTORS

CLEANING CONTRACTORS

Some of the key areas to consider include:

Inefficacy Cover

This relates the policy operating where the product ‘fails to perform its intended function' and which results in property  damage or injury. e.g. Intruder Alarm, Fire Alarm or Sprinkler Installation fails to operate

 

Financial Loss

Legal liability for causing financial loss and which does not result from personal injury or third party property damage

 

Professional Indemnity
Legal Liability for claims arising from errors or omission in the design or advice provided or claims alleging a failure of professional duty of care. e.g. Error of electrical system design requiring re-design and re-installation.

The above cover extensions whilst commercially prudent to consider, may also be required through membership of trade governing bodies including: BAFE, NICEIC, NSI etc.

We already act for a number of clients in the above industries and we are regularly advising on and discussing these covers, to ensure our clients have the cover they expect.  These extensions are not available with all insurers and as Independent Insurance Brokers we have access to the specialist insurance markets that understand the insurance exposures involved and can quote competitively for them.

To find out more and how we can help you, please contact one of our team who will be pleased to assist.






Paul Jones Insurance Services Ltd,
Kings House, 316 Shirley Road,
Southampton, Hants, SO15 3HL

Tel: 023 8078 8444
Fax: 023 8070 2536
Email: enquiries@pjis.co.uk

Paul Jones Insurance Services Ltd is authorised and regulated by the Financial Services Authority. The Financial Services Authority website, which includes a register of all regulated firms, can be visited at www.fsa.gov.uk/register or by calling the FSA on 0845 606 1234.

Paul Jones Insurance Services Ltd is registered in England & Wales No. 01093470. Website powered by Ignition
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