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Excess of loss - Public and Employers Liability

This product is e-traded

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In less than 60 seconds, get prices for Excess of Loss (XoL) online with Pen Underwriting

WHY PEN?

Pen XoL offers flexible limits that meet the needs of your clients. Additionally, we allow you to quote and bind over 2,500 trades across a wide range of sectors. We will offer, as standard, multiple quote options in addition to the limit of cover you requested. On the off chance that a referral is needed for your client, our commitment is to get back with a decision within 12 hours or sooner.

• We cover Archaeologists to Zoologists and thousands of trades in between
• We will give you multiple quote options as standard, saving you additional time
• With a 98% quote rate, we’re likely to have a solution for you
• Our XoL can pay out even if the primary insurer applies proportional settlement.
• Our decision to grant cover does not rest solely on the primary insurer's remedy

WHY INCREASE YOUR COVER?

Since the 2017 Ogden Rate changes, Excess of Loss insurance has become more significant and relevant than ever to a wider range of companies and trades.

The impact of this change has significantly increased the potential for higher awards to be made. Many businesses are now increasing their limits of indemnity, either for their own peace of mind or because of contractual obligations.

Given the potential awards it only takes a serious incident affecting a few people for standard limits of indemnity to be exceeded.

Who Qualifies?

Almost any UK-domiciled business can be catered for, including those with overseas subsidiaries.

Most primary insurers can be accepted and our policies can be purchased on an annual or single project basis.

We are particularly skilled in handling complex construction risks.

What’s covered?

The Ogden rate change has prompted many to review their current levels of cover; Pen can provide excess layers for:

- Employers Liability
- Public Liability
- Non-Negligence (Not available online)
- Motor Third-Party Liability (Not available online)

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Documents

  • Excess of loss - Public and Employers Liability from Pen Download the information on this webpage as a brochure
  • Products on Pen Central Information about Pen Central and its products

Contacts

Nicola King
Senior Underwriter - Excess of Loss
01992 449444
07526 190671
Email
Simon Foweraker
Managing Director - Construction
01992 449467
07768 925710
Email
Claims

Need to make a claim? Contact our specialists on: 01992449468

Claims are handled with the utmost diligence

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Added Value

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Why do you need Excess of Loss cover?

and what makes Pen different?

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Pen Central

e-Trading has a reputation for playing it safe, but that isn’t Pen’s approach

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Did you know Pen also offers:

Risk Management-led Commercial Insurance

Commercial insurance with built-in services to make businesses safer

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Construction

Flexible, modular construction cover, newly rebuilt in 2017

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