helping insurance brokers protect their clients · all our e-trade products are backed up by our...

Helping insurance brokers protect their clients

www.ssr.co.uk

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www.ssr.co.ukBull Wharf, Redcliff Street, Bristol, BS1 6QR Tel: 0117 9300 100 Fax: 0117 9279200 Email: [email protected]

Over 25 Years ExperienceSSR was formed in 1989 to provide niche expertise & wholesale insurance products to meet the needs of clients operating in the security & fire protection industries.

Over the years our range of products has been continually developed to provide market leading cover in a range of other industries requiring specialist cover & support. To date our products cater for the security & fire protection industries, cleaning contractors, electrical & heating/ventilation contractors, renewable energy contractors, facilities management, pest control contractors, drainage contractors & new for 2017 any contractor working airside (including the use of vehicles) and aviation industry product manufacturers. We continue to develop new products for emerging & established sectors.

We have maintained an exclusive relationship with QBE since 1989 that has enabled us to consistently meet the needs of high risk industries backed up by excellent service & the security of the worldwide QBE Insurance Group.

We do not deal directly with clients & feel their needs are best served by the support & knowledge of a broker local to them who is able to access our niche products for their clients on a wholesale basis.

Our Insurers The longevity & commitment of the scheme insurer is critical to its success to ensure consistent sustained underwriting & to provide efficient & effective service to brokers.

Whilst our competitors have changed insurers many times over the last 2 decades we have been using QBE to underwrite our schemes since our formation in 1989 – that’s now well over 25 years & we don’t think there are many schemes that can boast that strength of relationship. We are mindful that any successful scheme must deliver competitive rates but also consistently match the insurer’s expectations.

XL Catlin provides our excess layer capacity for those clients needing high limits with cover following our specialist underlying wordings. We can also provide Airside Liability cover for any airside contractors with XL Catlin with limits up to £100m. Cover for aviation product manufacturers is also available with limits up to £500m.

This long term approach means we have always been able to offer brokers cover for their clients throughout the peaks & troughs of the underwriting cycle so you can be sure that when you use us to place your clients risks the policies are backed by one of the soundest liability insurers in the market.

About us

Helping insurance brokers protect their clients for over 25 years…

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Over 25 Years Experience ■ Established since 1989.

■ Integrity & quality.

■ Competitive pricing & payment terms.

■ We continually develop the cover under our schemes to ensure they remain market leading & meet the cover needs of clients. Over the years we have developed many innovative cover extensions to fill the gaps left by many other non-specialist insurance products.

■ Our schemes have been underwritten by QBE for over 25 years & we think it is crucial to have the security & commitment of a market leading insurer. As at June 2017 QBE have an A+ credit rating from Standard & Poor.

■ All our products are backed up by excellent service & we constantly seek new innovative ways to deliver the products more efficiently & effectively to our supporting brokers. Quick quote turnaround time. The service we provide means brokers don’t have to waste their time & money chasing.

■ Instant access to client schedules & EL certificates through our online portal.

■ A2A trading for Acturis brokers removing the need to double key.

■ We only deal via brokers – we do not seek to write business direct & our TOBA reflect this commitment.

■ Because we only deal with a limited number of niche industries we are able to ensure our technical expertise remains focussed on the needs of those industries & our staff continue to develop their knowledge on the needs of those industries.

■ Dedicated expert claims team used to handling claims for our niche industries.

■ We are not a call centre & have an experienced team of account handlers who have been with us for many years & understand the needs of your clients. You will generally deal with the same account handler throughout the life of the policy.

■ Our team of account handlers & managers have over 160 years of experience in our niche industries with an average of well over 10 years each working for us handling these specialist areas. Several employees have more than 20 years with us. You can be sure we know what we are talking about.

■ All our E-trade products are backed up by our underwriters & live help.

Why choose SSR?

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John LudleyManaging [email protected] 9388 480

Gary [email protected] 9388 481

Dan HallmarkCommercial [email protected] 9388 486

Anthony VirtueSchemes [email protected] 9388 487

Sandy [email protected] 9388 491

Liz BlandClaims [email protected] 9388 494

Neil RichardsonHead of [email protected] 9388 495

Management

Karen NashSenior Claims [email protected] 9388 493

Nadine CameronClaims [email protected] 9388 470

Terri-Leanne ParsonsClaims [email protected] 9388 497

Mandy SadiqClaims [email protected]

0117 9388 479

Claims Handlers

Sarah CookAccounts/Credit [email protected] 9388 476

Dave CalvinNew Business [email protected] 9388 473

Nicola MurleyUnderwriting [email protected] 9388 483

Kath StirlingOffice [email protected]

Accounts

Kiran AthwalAccount [email protected] 9388 498

Luke DowleDevelopment Account [email protected] 9388 471

Owen FauntNew Business Account [email protected] 9388 485

Lizz GrangeSenior Account [email protected] 9388 489

Hannah KendallAccount [email protected] 9388 490

Ana KolesnikovaAccount [email protected] 9388 472

Sanjay MistryAccount [email protected] 9388 477

Ryan NevilleDevelopment Account [email protected] 9388 474

Dean PalmerSenior Account [email protected] 9388 496

Alice PurvesAccount [email protected] 9388 475

Robert SmithAccount [email protected] 9388 499

Tim SpencerAccount [email protected] 9388 482

Laura WilliamsDevelopment Account [email protected] 0117 9388 492

Development

Mike BoltDevelopment [email protected] 315947

Meet the Team

Underwriters

Administration

Adam RobinsonDevelopment [email protected] 9388 484

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We have developed a range of per capita products aimed at the smaller end of the market with 10 or less employees. The policies still offer our excellent bespoke cover to meet the needs of smaller clients but without some of the add-ons, sections & with lower limits in some areas.

We can offer additional sections for contents, ICOW, contract works, plant, tools, legal expenses and personal accident.

Coming soon A2A trading for Acturis brokers removing the need to re-key.

We have automatically created an account for all brokers who already deal with us so just go to the site www.ssr.co.uk/insurance-quote & choose the per capita quote engine & choose forgotten password to get an email back with your password so you can use the system.

If you haven’t dealt with us before & would like access to the system just send an email to [email protected] letting us know your name & email address & your company name & address.

Benefits:

■ Brokers can select their required level of commission up to 25%

■ Premiums from as little as £50 + IPT (nett)

■ Full cycle trading ■ Instant quotes, cover, renewals

& MTAs through the system ■ Cover meets trade body

requirements ( with inefficacy for NSI, SSAIB, BSIA etc)

Available for:

■ Security & Fire Protection companies ■ Cleaning Contractors (up to 10

employees + up to 10 part time) ■ Electrical, Heating, Ventilation

& Refrigeration Industries ■ Pest Control Contractors ■ Drain Cleaners - coming soon

Unsuitable for:

■ Door supervision companies ■ Sprinkler companies ■ Renewable energy contractors ■ Facilities management companies ■ High risk activities ■ Work at high risk locations (airside,

offshore, chemical, gas etc) ■ More than 10 employees, though

cleaners can have up to 10 full time plus 10 part time employees

Where your client does this type of work you should use our main schemes.

360º Per Capita

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Our schemes are all designed to cover pretty much any company operating in these general sectors including both standard & high risk work. Listed below are the main activities we write but we are always happy to consider activities that may not be listed, either on an individual basis or as a book of business.

We operate the following schemes offering our specialist niche products on a wholesale basis to brokers. QBE Insurance (Europe) Ltd is our main carrier & has been since 1989.

Main Schemes v Per Capita

We also offer exclusive online versions of our products designed for companies with 10 or less employees. (10 full time plus 10 part time permitted for cleaning contractors). Still the same great core cover but with less automatic extensions & some lower limits.

(Refer to our ‘main scheme v per capita cover comparison’ for full details).

Per Capita is not suitable for:

■ More than 10 employees (10 full time plus 10 part time permitted for cleaning contractors)

■ Companies with a significant claims history ■ Companies working on high risk premises ■ Door supervision companies ■ Sprinkler companies ■ High risk cleaning work

However we can still insure these companies on our main schemes.

Commercial Risks Appetite

Sectors we offer specialist cover for: Per Capita option:

Security & Fire Protection Industries Yes

Cleaning contractors Yes

Electrical, Heating, Ventilation & Refrigeration Yes

Renewable Energy Industries Not yet

Pest Control Yes

Facilities Management Not yet

Drainage Contractors Coming Soon

Airside & Aviation Liability Not yet

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Bespoke Insurance Policy for the Security & Fire Protection IndustryWe are able to insure most companies operating in this sector whether they are involved in the manufacture, supply, installation, testing or design of products. Cover is available for companies operating at height, using heat away or working in high risk environments or overseas.

Typical companies we insure include:

■ Intruder & Fire alarm installers ■ Portable & fixed extinguisher installers & servicers ■ Sprinkler companies ■ CCTV & access control ■ Central Stations ■ Nurse & warden call ■ Security Guarding & key-holding ■ Door Supervisors ■ Stewarding & close protection ■ Locks, safes & grilles ■ Car Park management ■ Emergency lighting ■ Vehicle alarms ■ Passive fire protection including

intumescent products & spraying

We can provide cover for:

■ Employers Liability ■ Public & Products Liability (including

inefficacy “failure to perform”) ■ Commercial Property All Risks ■ Business Interruption All Risks ■ Contract Works ■ Professional Indemnity ■ Property Terrorism cover ■ Legal Expenses ■ Directors & Officers Liability ■ Fidelity Guarantee

Main Scheme

Per Capita

More than 10 employees 10 employees or less

Note: This is only a brief overview of cover please refer to our full summaries of cover & policy wordings for full details

■ Inefficacy cover to the PL limit (unless otherwise stated)

■ Damage to that part worked on for alarm, extinguishing or security services (this provides cover for damage to carpets being lifted for example)

■ Wrongful arrest cover to the full PL limit (with no excess either)

■ Criminal & deliberate acts (crucial cover for door supervisors & security guards)

■ Bodily injury arising from consultant & training (specifically for physical intervention training)

■ Terrorism cover on PL/Prods/Inefficacy

■ Accidental Exposure to asbestos

■ £250 third party property excess (increased in certain scenarios)

■ Fidelity Bonding Extension (not restricted to legal liability & includes misuse of phones)

■ Loss/Consequential Loss of Keys Extension (legal liability for consequences of lost keys paid under PL & thus to the full PL limit)

■ Loss of Gas Extension (for extinguisher & fire companies to cover loss of gas in systems being worked on)

■ Service Indemnity Extension (to cover motor vehicles in custody)

■ Free Professional Indemnity section £100,000 limit

■ Free Directors & Officers section £100,000 limit

WHAT MAKES THIS POLICY BETTER THAN OTHERS?

Security & Fire Protection Industry

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Bespoke Insurance Policy for the Cleaning Contracting IndustryWe are able to insure most companies operating in this sector including their ancillary activities. Cover is available for companies operating at height or working in high risk environments or overseas.

■ Domestic, Shop & Office cleaning ■ Factory & industrial cleaning ■ Food & drink industry cleaning ■ Supermarkets & shopping mall work ■ Hospital & doctors surgeries

including specialist sharps work & clinical waste removal

■ Carpet & upholstery cleaning ■ Crime scene clean-ups ■ Window cleaners ■ Reach & wash pole system

window cleaning

■ Slings, cradles & rope access work ■ Kitchen & ductwork deep cleaning ■ Tank & restricted access cleaning ■ Fire & Flood clean-up ■ Pressure washing ■ Graffiti removal ■ Car valeting ■ Builders cleans ■ Stone cleaning




Typical companies we insure include

Main Scheme

Per Capita



■ Inefficacy cover (for failure to clean leading to build up of rubbish or fat/grease & subsequent fire)

■ Damage to property being cleaned (eg scratch damage to windows being cleaned)

■ Treatment Risks cover (covers damage to carpets upholstery etc being cleaned)

■ Criminal & deliberate acts (covers theft by cleaners who are often working alone at night)

■ Failure to secure premises (eg not setting an alarm & a subsequent theft)

■ Incorrect destruction of goods (cleaner throws out something they shouldn’t have)

■ Damage to third party plant being operated (cleaner damages floor scrubber owned by supermarket whilst using it).


■ Financial Loss (including products) Extension



■ Customers goods at own premises Extension (to cover goods removed for cleaning)

■ Misuse of phones Extension




Cleaning Contracting Industry

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Bespoke Insurance Policy for the Electrical, Heating, Ventilation & Refrigeration IndustriesWe are able to insure most companies operating in this sector whether they are involved in the manufacture, supply, installation, testing or design of products. Cover is available for companies operating at height, using heat away or working in high risk environments or overseas.


■ Domestic, commercial & industrial electrical contractors including work on security & fire protection systems

■ Data & Network cabling ■ Heating Ventilation & air conditioning work ■ Refrigeration engineers where incidental to main risk ■ Mechanical Engineering ■ Plumbing work where incidental to main risk ■ Audio/Visual contractors ■ Security & Electrical fencing ■ Electrical testing & inspection/certification ■ PAT testing




Main Scheme

Per Capita



■ Inefficacy cover to the PL limit

■ Damage to that part worked on for alarm, extinguishing or security services (this provides cover for damage to carpets being lifted for example)

■ Defective workmanship

■ Temporary removal of customers goods

■ Financial Loss (including Products)




■ Loss of Gas Extension (for extinguisher & fire companies to cover loss of gas in systems being worked on)




Electrical, Heating, Ventilation & Refrigeration Industries

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Bespoke Insurance Policy for Renewable Energy & Green Deal ContractorsWe are able to insure most contractors operating in this sector whether they are involved in the manufacture, supply, installation, testing or design of products. Cover is available for companies operating at height, using heat away or working in high risk environments or offshore.


■ Solar panel installers (PV) ■ Solar thermal Installers ■ Wind turbines ■ Anaerobic digestion ■ Biomass ■ Micro combined heat power (Micro-CHP) ■ Small scale Hydro ■ Ground source heat pumps ■ Air source heat pumps ■ Rainwater harvesting ■ Under floor heating ■ Insulation contractors

We can include ancillary electrical, security, plumbing & roofing work performed by renewable energy contractors.

■ Other trades considered!


■ Employers’ Liability ■ Public and Products (including Inefficacy) Liability ■ Material Damage for Solar Panels in situ ■ Property Owners Liability ■ Commercial Property All Risks ■ Business Interruption ■ Contract Works ■ Personal Accident ■ Professional Indemnity ■ Legal Expenses ■ Directors and Officers Liability ■ Terrorism ■ Fidelity Guarantee ■ Excess Liability

Main Scheme

Per Capita



■ Failure to supply to National Grid (free of charge) This is a great extension designed to cover contractors who are connecting their client’s renewable energy installations to the national grid.

■ Depth Work (free of charge) Cover is provided free for clients working at depth, as is often the case.

■ Defective Workmanship (free of charge) This covers a contractors liability for the costs of rectifying defective work where there is damage or injury to third party property.

■ Temporary removal of customer’s goods (free of charge) Provides accidental damage cover for a customer’s goods whilst removed from their premises, and in the contractor’s possession.

■ Financial Loss including Products (free of charge) Indemnifies a company for financial loss (ie where the loss is not as a consequence of bodily injury or damage to property).

■ Professional Indemnity (free of charge) Free £100,000 limit for qualifying companies

■ Directors & Officers (free of charge) Free £100,000 limit for qualifying companies

■ Loss of metered water (optional) Covers costs arising from the investigation into the cause of loss of metered water caused by your business activities at a customer’s premises.

■ Trace and access (optional) This provides the costs for locating the source of any escape of water from any fixed water services, heating installation or fuel oil resulting from a contractors installation work.

■ Damage to that part worked upon (optional) This extension provides cover for damage to that part of the contents, plant, equipment, or piping which has been worked upon.

■ Fidelity Bonding (optional) This is an extension which Insures against the loss of a client’s property due to fraud or theft by an employee. It also covers the unauthorised use of a customer’s telephone by the contractor’s employees.

■ Loss of gas in fixed fire extinguishers (optional) Cover may be provided for an unintended discharge of gas in fixed fire extinguishers if the contractor is required to also work on any fixed fire extinguisher systems.

■ Use of heat (optional) Provides cover where the client is required to use heat on a contract, such as welding equipment, blow torches and angle grinders.


Renewable Energy & Green Deal Contractors

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Bespoke Insurance Policy for Pest Control ContractorsWe are able to insure most companies operating in this sector including their ancillary activities. Cover is available for companies operating at height or working in high risk environments or overseas.


■ Pest & Vermin Contractors ■ Removal of droppings ■ Disinfection ■ Bird & rodent prevention ■ Fly control ■ Use of baits & poisons ■ Audits & surveys ■ Height work ■ Fumigation ■ Wasp nest control ■ Disposal of waste ■ Use & sale of pesticides ■ Use of hawks ■ Timber preservation ■ Camera surveys ■ Rubbish clearance & sharps removal ■ Pressure washing ■ Use of firearms


■ Employers Liability ■ Public & Products Liability (including inefficacy) ■ Commercial Property All Risks ■ Business interruption All Risks ■ Contract Works ■ Professional Indemnity ■ Property Terrorism Cover ■ Legal Expenses ■ Directors & Officers Liability ■ Fidelity Guarantee

Main Scheme

Per Capita



■ Inefficacy cover up to the PL limit

■ Damage to property being worked upon

■ Treatment Risks cover (covers damage to wood fixtures & fittings, carpets & upholstery etc from incorrect application of products)

■ Criminal & deliberate acts

■ Failure to secure premises (e.g. not setting an alarm & a subsequent theft)

■ Incorrect destruction of goods

■ Damage to third party plant being operated

■ £250 third party property excess

■ Use of Firearms & Shotgun Extension (covers bodily injury or damage resulting from the use of firearms or shotguns)


■ Fidelity Bonding Extension (not restricted to legal liability)


■ Customers goods at own premises Extension (to cover goods removed for treatment)


■ Professional Indemnity section (£500,000 limit available for BPCA contractors, higher if needed). Note BPCA membership requires a £500,000 PI limit & a £2m PL limit.

■ Free Directors & Officers section £100,000 limit (higher limits available on request)


Pest Control Contractors

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Bespoke Insurance Policy for Facilities Management ContractorsWe are able to insure most contractors operating in this sector including contingent cover for the likely use of bona fide sub-contractors. Cover is available for companies operating at height, using heat away or working in high risk environments or overseas.

Main Scheme

Per Capita



■ Inefficacy cover to the PL limit (unless otherwise stated)

■ Damage to that part worked on where in connection with services (as defined by our policy)

■ Optional extension for damage to that part worked on for all activities

■ Wrongful arrest cover to the full PL limit (with no excess either)

■ Criminal & deliberate acts (covering theft for example which is crucial for security guards & cleaners who are often working alone at night)

■ Bodily injury arising from consultancy & training




■ Temporary removal of customers goods

■ Fidelity Bonding Extension £100,000 limit (not restricted to legal liability)

■ Loss/Consequential Loss of Keys Extension £75,000 limit (legal liability for consequences of lost keys paid under PL & thus to the full PL limit)

■ Loss of Gas Extension £10,000 limit (for extinguisher & fire companies to cover loss of gas in systems being worked on)

■ Free Professional Indemnity section £100,000 aggregate limit

■ Free Directors & Officers section £100,000 aggregate limit

■ Damage to property being cleaned (eg scratch damage to windows being cleaned)

■ Treatment Risks cover (covers damage to carpets upholstery etc being cleaned)

■ Failure to secure premises (eg not setting an alarm & a subsequent theft)

■ Incorrect destruction of goods (cleaner throws out something they shouldn’t have)

■ Damage to third party plant being operated (cleaner damages floor scrubber owned by supermarket whilst using it).

■ Financial Loss (including products) Extension £250,000 limit

■ Misuse of phones Extension £50,000 limit

■ Defective workmanship

■ PL extensions for escape of metered water and trace and access cover £100,000 limits


Facilities Management Contractors

■ Building management ■ Catering & vending ■ Cleaning ■ Industrial Hygiene ■ Building automation systems ■ Lighting ■ Meeting room management ■ Property management ■ Security (physical &

manned guarding) ■ Fire safety ■ Lift service & maintenance ■ Mail-room & porter services ■ Gardening & landscaping ■ Car park management

■ General maintenance & repairs ■ Painting & decorating ■ Glazing & boarding up ■ Flooring ■ Risk assessments & consultancy ■ Commissionaire & reception duties ■ Waste management ■ Water treatment ■ Office planning ■ Pest control ■ Health & Safety ■ Electrical & heating &

ventilation services




Typical companies we insure include

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Bespoke Insurance Policy for Drainage ContractorsWe are able to insure most companies operating in this sector whether they are involved in the manufacture, supply, installation, testing or design of products. Cover is available for companies operating at height, using heat away or working in high risk environments or overseas.


■ Drain rodding ■ High Pressure drain jetting ■ Drain repair and maintenance ■ Root removal ■ Groundworks ■ Sewer cleaning ■ CCTV drain surveys ■ Vacuuming of septic tanks ■ Gutter and gully cleaning




Main Scheme

Per Capita (Coming Soon)



■ Inefficacy cover (for failure to clear a blockage leading to water damage)

■ Damage to property being worked on (damage to drains from incorrect work method)

■ Criminal & deliberate acts

■ Failure to secure premises









Drainage Contractors

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Airside & Aviation LiabilityWe can provide Airside Liability cover (including use of vehicles airside) for a wide range of clients, with covers up to £100m. We can also provide covers for Aviation Product Manufacturers with covers up to £500m, both underwritten by an A+ rated (S&P) insurer.


■ All contractors working airside ■ Aviation product manufacturers ■ Infrastructure maintenance (excluding Air Traffic Control/Control Tower Software) ■ Construction ■ Delivery ■ Cleaning ■ Aircraft cleaning ■ Security (including pass & baggage screening) ■ Ground Handlers ■ Refuellers ■ Aircraft Maintenance and repair


■ Contract and/or site specific policies;

■ Policies on a non-annual basis

■ Limits of indemnity for Airside Liability up to £100m

■ Limits of indemnity for Aviation Product Manufacturers up to £500m

■ War write-back cover is available

■ Cover for use of vehicles airside (excluding RTA)

■ Dedicated SSR account handlers who are focused on providing fast and efficient service

■ Competitive and negotiable commissions


Airside & Aviation Liability

We can also consider clients who fall outside of the industries listed above and offer a war write-back.

Flexible underwriting using London Market aviation specific wordings to cater to the needs of your client’s Airside Liability which can include;

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Sutton Specialist Risks Ltd Bull Wharf Redcliff Street Bristol BS1 6QR

Phone: 0117 9300 100 Fax: 0117 9279 200 Email: [email protected]

www.ssr.co.uk

helping insurance brokers protect their clients · all our e-trade products are backed up by our...

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