Per Capita Liability
Commercial Insurance
Public Sector Insurance
GBP 150 /year
GBP 0
Channel Islands, England, Isle of Man, Northern Ireland, Wales, Scotland
Yes
- Employers Liability
- Public Liability
- designed for most small to medium sized business and tradesman with a maximum 10 employees (inclusive of working principles, employees and LOSC), plus up to two temporary workers when the number may fluctuate from the maximum number of persons for short periods of time.
Product Overview
Per Capita Liability by Touchstone Underwriting Ltd is designed for small and medium-sized businesses that need reliable liability cover. This product suits trades and professions that often work with the public or clients, including high-risk, professional, and administrative roles.
Employers Liability and Public Liability are both included, giving protection for claims from employees and third parties. Businesses with up to ten staff, plus two temporary workers, can apply for cover, making it flexible for changing team sizes.
About Per Capita Liability by Touchstone Underwriting Ltd
Per Capita Liability by Touchstone Underwriting Ltd is available across England, Scotland, Wales, Northern Ireland, the Channel Islands, and the Isle of Man. There is no excess to pay, and the minimum cover starts at £150, with no stated maximum.
This cover is only available through brokers who have a contract with Touchstone Underwriting Ltd. Policy wording and extra forms are easy to access for more details or to tailor the cover to business needs. Brokers can also use the ‘Contact Underwriter for Quote’ feature on the page to contact the company directly for more information or to ask for a quote for their clients.
Per Capita Liability by Touchstone Underwriting Ltd FAQs
What types of businesses can apply for the company?
Per Capita Liability by Touchstone Underwriting Ltd is designed for small and medium-sized businesses. It suits tradesmen, professionals, and administrative roles, including those in high-risk sectors. Businesses that regularly interact with the public or clients are ideal candidates for this cover.
Which areas are covered by this insurance product?
This insurance is available across England, Scotland, Wales, Northern Ireland, the Channel Islands, and the Isle of Man. The wide territorial scope makes Per Capita Liability by Touchstone Underwriting Ltd suitable for businesses operating in multiple UK regions or with staff working in different locations.
What is included in the cover provided by Per Capita Liability by Touchstone Underwriting Ltd?
The policy includes Employers Liability and Public Liability. Employers Liability covers injury or disease to employees during work, while Public Liability covers injury or property damage to third parties. Both are essential for businesses that deal with the public or employ staff.
What is the minimum cover available for this insurance product?
The minimum cover for Per Capita Liability by Touchstone Underwriting Ltd is £150. This allows even the smallest businesses to meet their legal and risk management needs without overcommitting financially.
How flexible is the Per Capita Liability by Touchstone Underwriting Ltd policy for changing staff numbers?
The policy is built for flexibility. It covers up to ten employees, including working principals and labour only sub contractors, plus up to two temporary workers. This helps businesses manage short-term staff changes without losing cover.
What legal requirements does the policy help businesses meet?
The policy helps businesses meet the legal requirement for Employers Liability insurance. This is mandatory for most UK businesses with staff. Per Capita Liability by Touchstone Underwriting Ltd also supports compliance for those working in trades that require public liability cover.
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