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Per Capita Information


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Insurance Services at a glance

We offer bespoke insurance policies for niche industries that have specialist insurance requirements that the general market is usually unable to meet. 

Main Scheme

These are our primary insurance products aimed at all companies with more than 10 employees or where there are high risk activities involved & a more comprehensive range of insurance covers are required. Any risk not suitable for our per capita schemes can generally be catered for by our main schemes. 

Main Scheme Insurance

Per Capita (10 Employees or less)

We have developed a range of per capita products aimed at the smaller end of the market (less than 10 employees, plus 10 part time for cleaners). These policies still offer our excellent bespoke cover to meet the needs of smaller clients but without some of the add-ons, policy sections & lower limits in some areas. Per capita policies are only available to brokers via our full cycle 360º trading platform.

Note: we are unable to offer the per capita product for door work, sprinkler companies, renewable energy & facilities management contractors. It is also unsuitable for companies with a significant claims history or those operating at high risk premises - you should use our main scheme products for those companies.

Per Capita Schemes

Risk Management

It is important for both clients & Insurers that we work together to reduce both the frequency & severity of claims.

We work closely with our clients & QBE to put in tailored risk management for clients when appropriate.

Risk Management

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