General Liability

As a specialists Broker at Lloyd’s, our bespoke Lloyd’s facility was established with selected Lloyd’s syndicates to cater for the ‘heavier end’ of UK general liability risks.  Our appetite and focus are on risks which are too large and ‘non-standard’ for composite insurers and MGAs to accommodate. 

Backed 100% by Lloyd’s capacity, our selected Partner Brokers have access to an exclusive facility allowing them to effectively place high risk trades at a time of uncertainty and increases in claims/defence costs for the insured.  

Given the nature of the risks and level of detail required within each presentation, the facility will be for accessible for selected Partner Brokers only (wholesale). 

Minimum Premiums:

GBP 10,000 (EL/PL/CAR)

GBP 7,500 standalone (PL/Products)

GBP 10m Primary for EL/PL GBP 25m+ Excess of Loss (EOL)

In order to accommodate the insured, in partnership with our Lloyd’s syndicates and risk managers, we offer risk management assistance and surveys to identify potential areas of claims and how these can be potentially prevented.  Risk Surveyors 

Key Benefits

  • Cover arranged by Servca, an award-winning independent, owner-managed Lloyd’s Broker
  • A facility bespoke to heavy and large liability risks
  • Dedicated 48-hour turnaround times in receiving contract certain quotes (subject to receiving full risk presentations)
  • Dedicated account management – discuss your requirements and risk to ensure we can assist you going forwards
  • Portfolio Placements for Partner Brokers to allow you to win and retain business year on year.
  • Non-restrictive, broad policy wordings to cater for each industry trade
  • Primary and Excess Layer options (combined/standalone)
  • Unlimited height and depth works
  • High risk and hazardous locations
  • Risks with previous claims
  • Risks where directors had had previous convictions/bankruptcies

In order to assist you, we have broken down the main risk profiles that we have written under our facility.  Our facility has been designed to be broad and flexible, thus be able to cater for all UK liability risks. 

Construction & Contracting

All trades and ‘high risk’, unusual trades considered.  Scaffolders, Roofers, Demolition and all other high risk trades considered if incidental to the main risk.

  • Abseiling Contractors including offshore
  • Agricultural Contractors
  • Asbestos Consultants (excluding removal/handling)
  • Concrete Pourers
  • Demolition
  • Formwork and Reinforcement
  • Groundworks including Piling 
  • High Risk Security
  • Offshore Manual and Non-Manual 
  • Quarries
  • Railway Contractors
  • Roofers
  • Rope Access Control
  • Scaffolders
  • Skip Hire & Plant Hire
  • Specialist Contractors – ie work Airside/Railside/Height Work
  • Steel Erectors
  • Stevedores
  • Tunnelling
  • Waste Recycling & Associated trades

*Building Contractors – minimum GBP 5m turnover


  • Diamond Drilling
  • Engineering – Metal Workers
  • HVAC/Electrical/Industrial Painters/Building
  • Marine Engineering 
  • Nuclear Engineers
  • Oil and Gas/Petrochemical Engineering
  • Precision Engineering
  • Renewal Energy Engineers


  • Clothing manufacturers
  • Food/Drink Processing
  • Furniture Manufacturers
  • Lifesciences, Medical Devices, Cosmetics, Pharma and associated trades
  • Paper/cardboard Manufacture & processing
  • Research, Development, Science and Emerging Technology
  • Rubber Manufacture & Processing
  • Wholesale & Distribution (All products)


  • Aquaculture including fish farms
  • Care Homes/Provision of Care
  • Clerical risks
  • Haulage
  • High risk Products Liability (Critical products, automotive, rail, marine, military defence, US/Canada Exports)
  • Hotels/Restaurants/Bars/Nightclubs (excluding NI)
  • Leisure & Motorsport
  • Schools/colleges
  • Warehousing (Ex cc & c)

If you would like to have an exploratory call regarding our facility and how we can assist you, please contact

Photo 1462206092226 f46025ffe607