County Liability insurance policies

Whatever business you’re in, County insurance Services can help you identify and put in place the right level of business liability insurance cover. Our advice will be based on your individual requirements.

Our business liability insurance is suitable for all business types. We cover sole traders up to larger organisations. Whatever your business size, County Liability insurance is a flexible in house policy, underwritten by a consortium led by Royal & Sun Alliance PLC. All County Liability policy administration is completed in house. This speeds up the process, from issuing documentation, right through to ensuring you receive a prompt decision if you need to claim.

There are two distinct types of County Liability insurance policy and every request is evaluated and underwritten based on its individual merits.

Wages and turnover based insurance policy

Our wages and turnover based policy provides cover for larger or more diverse business activities on a minimum and deposit basis for a wide variety of business types.

Per-capita based insurance policy

Our per-capita based policy provides liability insurance for smaller businesses with up to 12 employees, insuring trades such as builders, plumbers and electricians. We also provide insurance for higher-risk occupations such as roofers and scaffolders.

Tools cover, from £1,500 to £5,000, can be added to the per-capita policy and extended to cover loss from un-attended vehicles.

Based on the successful aspects of other similar schemes, the County Liability policies feature the following limits:

  • Employers Liability £10m indemnity limit
  • Public Liability £1m/£2m/£5m/£10m indemnity limit
  • Products Liability £1m/£2m/£5m/£10m indemnity limit

Special rates

Special County Liability discounted policy rates are available if your business meets one or more of the following criteria:

  • Trading for 5 years or more
  • Members of a trade body and have written Health and Safety policies
  • Tools are kept in strong boxes/van vaults