Electrical, Electronic Security, Heating, Ventilation and Air-conditioning Contractors
Contractors' Combined Insurance
As a wholly owned subsidiary of the Electrical Contractors' Association you can be sure ECIC’s new
Contractors' Combined Insurance is made to fit your clients' business needs precisely.
This new policy combines trade specific
- Employers' Liability
- Public/Product Liability
- Professional Indemnity
- Contractors' All Risks
- Property, Business Interruption, Money, Transit and Personal Accident
Broad Coverage
The policy is structured to cover professional electrical, electronic security and HVAC contractors operating
across a broad spectrum of contracts ranging from straight-forward domestic light and power installations to
more complex industrial applications.
Depending on the nature of the specialist work undertaken, extensions within the Policy cater for the unique
risks to which the client is exposed.
Specialist Liability Protection
The Public/Products Section incorporates many non-standard features:
- A Professional Negligence Extension upgradeable to full PI where required
- Efficacy of installed services, including Fire Alarm Systems, with an optional extension for
commercial intruder system efficacy
- No Item Worked Upon Exclusion
- Financial Loss, Customers’ Goods and Defective Products Supplied Extensions
- Industry specific Fire Precautions Conditions
To meet the requirements of Electronic Security System Contractors, specific key holding, fidelity, and
discharge of gas systems extensions are also available.
Where full Professional Indemnity cover is required it is available on a highly cost-effective basis
tailored to meet the requirements of our specialist building services clients.
- Broad definition of insured Professional Activities and Duties
- Industry specific qualification and experience requirements
- Optional Any One Claim limits
Contractors' All Risks
The CAR Section has been specifically designed to protect contract work, plant and equipment
against the risks associated with contract performance.
Contractors' Property, BI and PA
The flexible nature of the cover provided by these Sections allows the policy to cater for the
requirements of clients with business premises ranging in size from a small office and store to
larger multi-site operations.
Documents / Resources
Key Features
The Policy's Liability Sections feature:
- Trade Specific Insurance
- Public/Products Liability to £10m
- Professional Indemnity to £5m
- Optional Contractors’ All Risks, Property & BI Sections
ECIC is committed to:
- Wide policy coverage
- Attractive instalment option
- Prompt professional claims management
- Risk managed underwriting
- Free 24 hour helpline service to provide legal advice on any business related issue
Please note:
Asbestos Questionnaires must accompany all liability proposals.
Risk Assessment Questionnaires must accompany liability proposals
for Roofing Contractors and Lift Engineers and may be requested by
underwriters for certain Electrical/HVAC risks.