PRODUCT GUIDE

INDEX

1. About us
2. iConstruct
3. General liability
4. Personal accident and sickness
5. Annual business travel and repatriation
6. Terrorism
7. Financial lines
Professional indemnity, Directors and officers’ liability, Cyber liability & Terrorism

8. Excess of loss
9. Per capita liability
10. Contract works and contractors’ plant
11. Commercial combined
12. Property owners
13. Enterprise package
14. Office combined
15. Motor fleet
16. Synergy 360 Club
1. ABOUT US

Premier Commercial is a privately owned managing general

agent offering bespoke commercial insurance products
designed and underwritten by our team of highly experience
insurance professionals in Lloyd’s and the London market.

Founded in 1995 we have experienced the many cycles and

challenges faced by our industry and aim to offer a legitimate,
intelligent, bespoke, alternative insurance solution.

We distribute our products through independent insurance

brokers and Lloyd’s brokers throughout the United Kingdom
and Northern Ireland offering a fast and efficient, accurate and
exclusive service to our partners.

All of our products are written on a binding authority

arrangement without referral to capacity so if your client’s risk
is within our appetite and authority we will do everything
possible to help you acquire and retain the account.

Our appetite and authority is substantial and we are constantly

striving to innovate and improve our product range. We hope
you will find us helpful and friendly, ethical and professional
and a valuable addition to your broking armoury.

This product guide provides you with a short summary of each of our products and our current underwriting
risk appetite. It details the commission we pay as standard on the product and how to contact us. We’re
always really happy to hear from you by telephone or if you’re in the region pop in and see us.

In most cases we aim to deliver a contract certain offer of insurance within 2 hours of the receipt of a risk
presentation and deliver Insurance Documents within 2 hours of instruction.

We look forward to working with you.

Crawford Boyd LLB (Hons) ACII

Underwriting Director
Chartered Insurer

Premier Commercial Limited Stanhope House 0845 111 0125

12 Stanhope Place, Edinburgh EH12 5HH & 80-83 Long Lane, London EC1A 9ET
2. iCONSTRUCT
iConstruct is our flagship construction brand which actively writes in the UKNI construction market. The
brand includes the hugely successful Electrisec policy for the electrical and security industry and HVAC for
the heating, ventilation and mechanical industries.

The policy can include all of the following sections if required:

Employers liability Material damage

Public liability Business Interruption
Products liability Money
Professional indemnity Trade all risks
Contract works up to £10 million (aoc) Goods in transit
Contractors’ owned plant up to £2 million Computer breakdown
Contractors’ hired in plant up to £2million Employee dishonesty
Directors and officers liability Legal expenses

With the ability to write up to £16 million any one contract our appetite is diverse, from conventional family
run building companies to national and global PLCs. We will consider heavier aspects and hazardous
locations as part of a balanced account and can write international exposures for UKNI domicile risks.

As part of our offering we include specialist schemes

for the electrical and security and the heating and
ventilation industries which can include up to £5
million of design and construct professional
indemnity cover and efficacy extensions to protect
those more intricate installations. Cover for pure
financial loss can be included too.

For those risks requiring special attention our team

of liability insurance professionals are ready to assess
and underwrite the customer RAMS to find a solution.

You will find our service on this product unrivalled and our speed of response breath-taking, with a bespoke
wording, highly competitive rates for appetite risks and exclusive access for UKNI independent brokers send
us your construction enquiries today.

Contact: iConstruct@premco.co.uk
0845 111 0125

Underwriters: Matthew Brown David Moore Zoe Linton

matthew@premco.co.uk david@premco.co.uk zoe@premco.co.uk
0131 370 4347 0131 370 4344 0131 370 4345

Commission: 17.5%

Cascading risk transfer ✅

3. GENERAL LIABILITY
Our general liability policy is our oldest product, it was our first ever wholly underwritten product and has
been a large part of our ongoing success. We’ve added to it over the years and what started as just an EL/PL
offering has now been extended to cover all the sections a modern business might require:

Employers liability
Public liability
Products liability
Professional indemnity
Directors and officers liability
Entity cover
Legal expenses

This product is aimed at the manufacturing, wholesale and distribution trades and competes well in the
market place. With the ability to write North American Products liability and international Employers
liability for larger risks.

We aim to respond with a contract certain quotation within 2 hours of receipt of an enquiry and deliver
insurance documents within 2 hours of instruction which you will find unrivalled in today’s market.

Contact: liability@premco.co.uk
0845 111 0125

Underwriters: Zoe Linton David Moore

zoe@premco.co.uk david@premco.co.uk
0131 370 4345 0131 370 4344

Commission: 17.5%

Cascading risk transfer ✅

4. PERSONAL ACCIDENT AND SICKNESS
We offer both Group and Individual Personal Accident and Sickness covers to businesses working in most
sectors and this product compliments our iConstruct portfolio. Covers include:

DEATH & CAPITAL SUMS (D&C) Accidental Death

 Loss of one Limb

 Loss of Sight in one Eye
 Loss of two or more Limbs
 Loss of Sight in both Eyes
 Loss of one Limb and Loss of Sight in one Eye
 Loss of Speech
 Loss of hearing in one ear - 25% of loss of hearing in both ears benefit
 Loss of hearing in both ears
 Permanent Total Disablement

TEMPORARY TOTAL DISABLEMENT

 Payable per week,

 7 day deferment period (14 days for heavy manual (up to 100% of gross weekly wage))

TEMPORARY PARTIAL DISABLEMENT

 payable per week

 7 day deferment period (up to 50% of gross weekly wage exc. heavy manual))

TEMPORARY TOTAL DISABLEMENT THROUGH ILLNESS

 payable per week

 14 day deferment period (up to 100% of gross weekly wage)

Contact: crawford@premco.co.uk
0131 370 4341

Underwriter: Crawford Boyd

Commission: 20%

Cascading risk transfer ✅

5. ANNUAL BUSINESS TRAVEL AND REPATRIATION
Business travel insurance is an essential requirement for many businesses as directors and staff are
dispatched to national and international destinations for business meetings, contracts, conferences, and
training. Damage or loss of important business equipment or personal items all create unforeseen costs for a
business and delayed departure or cancelled travel plans interrupt potential profits. Medical expenses for
staff travelling outside of the United Kingdom is crucial in these post Brexit times.

Our very extensive cover includes:

Medical Expenses £10,000,000

Emergency Dental Expenses £1,000
Funeral Expenses £10,000
Follow on Medical Expenses £25,000
Hospital Inpatient Expenses £1,500
Personal Property £5,000
Money £3,000
Cancellation £5,000
Personal Liability £5,000,000
Legal Expenses £50,000
Employee Replacement Expenses £5,000
Non Travelling Partner Accidental Death £5,000
Children’s Fund £2,500
Passport £1,000
Hijack £25,000
Kidnap & Hostage Expenses £150,000
Travel Delay £500
Diversion or Missed Travel Connections £1,000
Political and Natural Disaster Expenses £25,000
Car Hire Excess Waiver £5,000
Scheduled Airline Failure £1,500

Contact: crawford@premco.co.uk
0131 370 4341

Underwriter: Crawford Boyd

Commission: 20%

Cascading risk transfer ✅

6. TERRORISM
Our terrorism policy is available on a stand alone basis or as an adianta cover for our property led customers.
Underwritten at Lloyd’s and offering significant capacity our best in class wording includes:

Architects, surveyors fees

Automatic Reinstatement of sum insured
Capital additions and alterations and improvements
Debris Removal
EU and Public Authorities Clause
Temporary removal
Unoccupied or vacant buildings
Rent payable
Alternative Trading
Auditors Fees
Additional increased cost of working
Contract Sites and Transit
Public Utilities
Suppliers
Unspecified Suppliers
Liability extensions
Loss of Attraction
Threat
Denial of Access and Threat

Contact: property@premco.co.uk
0845 111 0125

Underwriters:
Steve Bole steve@premco.co.uk
Vasu Arun vasu@premco.co.uk

Commission: 20%

Cascading risk transfer ✅

7. FINANCIAL LINES
Our flagship Design and Construct professional indemnity cover remains available and active despite the
difficulties in the D&C market, competitively priced and aimed at the conventional design and construct
construction and allied trades market the cover is available on a stand alone basis or as part of the iConstruct
package.

Full cover
Duty to warn cover
Contingency cover

Aggregate limits or
Any one claim

Limits up to £2 million

Don’t let your customers get caught without

adequate cover for Directors and Officers liability.
You can add it to our standard policy or it can be
written on a stand alone basis.

Cover available up to £5 million and £500,000 for

Employment practices.

We also offer Cyber liability, stand alone Terrorism and Legal expenses covers.

Contact: crawford@premco.co.uk
0131 370 4341

Underwriter: Crawford Boyd

Commission: 17.5%

Cascading risk transfer ✅

8. EXCESS OF LOSS
Contractors, manufacturers and distributors will often face a requirement of carrying a larger limit of
indemnity for many of their customers. Excess liability protects clients from major incidents that could
exhaust their primary insurance protection. We cover Employers’, Public/Products and Motor Third Party
Property Damage Liability. In addition we include crisis management cover for up to £100,000 and Medical
and Vocational rehabilitation.

If clients do experience a claim under their excess liability policy, then it could well be for a large scale
incident with severe consequences for many people and organisations, for example a severe accident or a
product liability crisis.

The product is aimed at UK based companies including those with overseas sales or operations, and
multinational organisations. For companies with North American turnover the indemnity will be inclusive of
costs and subject to a full pollution exclusion. In many cases Excess Elite can also be tailored to cover
overseas subsidiaries, however it is not available for companies with no UK connection.

Excess Employers’ Liability

Excess Public Liability
Excess Products Liability
Excess Commercial Motor (third party property damage)

Limits can be selected from £1m up to £70m and attachment points can be adjusted to the clients'
requirements. Minimum premiums start from £375 and cover is available for short period contracts starting
at one day.

Contact: xs@premco.co.uk
0845 111 0125

Commission: 20%

Cascading risk transfer ✅

9. PER CAPITA LIABILITY
With nearly 300 trades to choose from, ranging from tree fellers to translators our per capita appetite is
huge. This product has recently been refreshed and comes with the option to include professional indemnity
insurance and highly competitive rates, ideal for the small firm with big responsibilities.

Limits of indemnity up to £10 million are available (trade dependent) for public and products liability,
dispensing with the need for excess of loss covers which can often cost more than the underlying policy.

We train our underwriters by starting with this policy, teaching how the wordings operate and the
importance of rating adequacy; one claim can wipe out the fund quite easily. It is always very encouraging
when we see our brokers engaging with our apprentices, trainee underwriters as they grow into fully fledged
underwriters of this product.

Employers liability
Public liability
Products liability
Contract works
Contractors owned plant
Contractors hired in plant
Professional indemnity
Legal expenses

Let us give you a helping hand to pick up more of this business.

Contact: matt@premco.co.uk
0131 370 4347

Underwriter: Matt Brown

Commission: 17.5%

Cascading risk transfer ✅

10. CONTRACT WORKS AND CONTRACTORS’ PLANT
Underwritten at Lloyd’s this product has substantial appetite and capability for construction led risks. With a
single location limit of up to £10 million we will write both small and large risks on a stand-alone basis.

The products is aimed at UKNI contractors but can be extended to include EEA work as required.

Our insurance professionals regularly have to consider

the RAMS for complex construction works including
underpinning, piling and basement construction.

We can consider longer term contracts where periods in

excess of 36 months are required.

We will consider complex risks even if we are not writing

the contractors’ liability.

If contractors’ owned plant or hired in/out plant cover is required we can write these risks on a stand alone
basis up to £5 million any one location. Cover for higher risks, heavier items of plant – including their
movement – can be considered.

Contact: crawford@premco.co.uk
0131 370 4341

Underwriter: Crawford Boyd

Commission: 17.5%

Cascading risk transfer ✅

11. COMMERCIAL COMBINED
Underwritten at Lloyd’s our commercial combined binding authority product targets premises based
manufacturing, wholesaling and distribution risks and can accommodate most warehousing risks. The
product is available to businesses domicile in the UKNI and subject to acceptance criteria is highly
competitive.

Single location up to £7.5 million

Material damage
Business interruption
Money
Trade all risks
Goods in transit
Computer breakdown
Frozen foods
Employers liability
Public and products liability
Legal expenses (£250,000 as standard)

Our appetite is extensive ranging from food risks

to engineering risks, timber manufacturing to
printing and the cover boasts our usual
outstanding 2 hour turnaround service.

Cover for international, including North American,

products liability exposures can be considered.
We offer a standard public and products liability
limit of indemnity of £5 million.

Contact: property@premco.co.uk
0845 111 0125

Underwriters:
Steve Bole steve@premco.co.uk
Vasu Arun vasu@premco.co.uk

Commission: 17.5%

Cascading risk transfer ✅

12. PROPERTY OWNERS
Underwritten at Lloyd’s we write most classes of
property owners on a binding authority basis
throughout the United Kingdom and Northern
Ireland. Our highly experienced property team
can assist you with most of your customers, new
and existing and can offer highly competitive
rating for appetite business.
Quotation turnaround is 2 hours with the
documentation produced instantly at the point of
bind.

13. RETAILERS
Underwritten at Lloyd’s we write all types of retail
risks including multi-location. Aimed at high
street retail risks our appetite ranges from
clothing to cafes, sports to grocers. We write on a
binding authority basis throughout the United
Kingdom and Northern Ireland.
Quotation turnaround is 2 hours with the
documentation produced instantly at the point of
bind.

14. OFFICES
Underwritten at Lloyd’s we write most classes of
office on a binding authority basis throughout the
United Kingdom and Northern Ireland. Our highly
experienced property team can assist you with
solicitors, accountants, marketing and even
insurance brokers.
Quotation turnaround is 2 hours with the
documentation produced instantly at the point of
bind.

Minimum premium: £750.00

Contact: packages@premco.co.uk
0845 111 0125
Commission: 17.5%
Cascading risk transfer ✅
15. MOTOR FLEET
Our highly competitive, mini fleet facility offers cover for small to medium enterprises with between 4 and
20 vehicles. The cover is fleet rated and although conversion from no claim discount is possible we require a
minimum of 3 years motor experience.

Underwritten at Lloyd’s our appetite is restricted to cars and vans up to 3.5t, the target market is our
commercial combined customers and we offer a 10% discount if both covers are purchased.

We aim to turnaround fleet quote requests in 2 hours and please ask us for our presentation forms to
simplify the quoting.

Contact: fleet@premco.co.uk
0845 111 0125

Underwriters: Steve Bole Vasu Arun

steve@premco.co.uk vasu@premco.co.uk
0131 370 4342 0131 370 4346

Commission: 10%

Cascading risk transfer ✅

SYNERGY 360 CLUB
Our Synergy relationship is a commitment opportunity for independent UKNI insurance brokers. As a Lloyd’s
of London Coverholder and through our London Market relationships we are able to place risks falling
outwith the appetite detailed in this guide.

SYNERGY PROPERTY
The reduction in capacity for certain business lines has meant that placing higher hazard property risks has
become difficult and customers are facing substantial increases in rates or struggling to find cover. If you are
supporting Synergy we are able to offer cover for these harder to place risks i.e. leisure, food, timber, waste
at more competitive rates.

The account requires balance, so a minimum core support of lower hazardous trades is fundamental to
ensuring the profitability of the account for our capacity providers.

SYNERGY MARKETS
For those larger, hard to place risks we offer access to our markets and Lloyd’s brokers to place or schedule
business you might not normally be able to secure.

With a proven track record of successfully helping our independent partners secure large risks when
competing against much larger brokers we will also provide administrative assistance on these accounts i.e.
report writing, client visits, surveys.

SYNERGY SUBSCRIPTION
We offer a £10 million line to Lloyd’s brokers seeking to schedule complex risks, if you are a Synergy partner
we can assist your Lloyd’s broker to get a complex risk finished by offering subscription lines not readily
available in the open market.

Contact: synergy@premco.co.uk
0845 111 0125

Underwriters: Crawford Boyd

crawford@premco.co.uk
0131 370 4341

Commission: variable

Cascading risk transfer negotiable