UW/2013/07/12 Page 1 of 7
C
ONTRACTORS
’
L
IABILITY
P
ROPOSAL
F
ORM
Proposer’s Full Name
Include all companies to be insured
If the Proposer is not a limited company specify any trading names and the names of all principals and partners.
Address Tel
Fax
Post Code e-mail
BUSINESS DETAILS
1. When was the business established?
2. Have you ever traded under a different name? YES NO
If “YES”, please advise details:
3. Full description of trade or business:
4. Are you
a) a member of a trade body or association? YES NO
b) accredited or registered with an approvals or certification body in respect of the
work you undertake? YES NO
If “YES”, please provide details including your membership/registration number(s):
Please answer all questions, completing the form in ink using block capitals.
The completion and signature of this Proposal does not bind the Proposer or Insurers to complete a contract of insurance.
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5. What is your estimated Gross Annual Turnover for the next 12 months?
a) Electrical contracting £
b) Mechanical heating, ventilation and air conditioning contracting £
c) All other contracting turnover £
d) All other non-contracting turnover £
Please describe the nature of any turnover advised for items c) and d) above
6. Indicate as a percentage of your Gross Annual Contracting Turnover, the extent of work in the following areas:
Domestic Individual Dwellings %
% % % % % % Other Dwellings %
Industrial Power Plants %
Refinery & Petro-Chemical Installations %
Manufacturing Plant & Production Areas %
Other Industrial %
Commercial Hospitals & Nursing Homes %
Schools & Universities %
Hotels & Recreation Centres %
Shops & Offices %
Other Commercial %
7. Indicate as a percentage of your Gross Annual Contracting Turnover, the extent of work involving:
a) Intruder alarm systems protecting private dwellings %
% %
%
b) All other Intruder Alarm Systems %
c) Fire alarm, fire extinguishing or fire suppression systems %
d) Computer installations %
e) Industrial process control systems %
f) Contracts involving solely testing inspection or certification of existing systems or
portable appliances %
Other than in respect of f) above, do you engage in contracts to provide technical services or designs for a fee where you will not be undertaking installation work as part of the same contract?
YES NO
If “YES”, please provide details of the services provided and the fees charged:
8. Do you supply any products other than those used in contracting work
undertaken by you? YES NO
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9. What are your estimated gross salaries, wages and bona fide sub-contractor (independent supply & fix contractor) payments for the next 12 months?
Note: The amount to be entered as salary/wages is the total remuneration including over-time, value of board and lodgings, housing
accommodation, bonuses, other payment in kind or money, received by all persons working under contracts of service (including Directors) or any person supplied to or hired or borrowed by you before deducting for national insurance, income tax, holidays with pay, contributory pensions.
a) Proprietors, partners and directors not working manually £
b) Proprietors, partners and directors working manually £
c) Clerical & managerial employees not working manually incl. commercial travellers £
d) Shop Assistants £
e) Electrical contracting activity
Direct employees working manually £
Labour only sub-contractors including agency labour £
Bona fide sub-contractors £
f) Mechanical heating, ventilation and air conditioning contracting activity
g) Direct employees working manually £
Labour only sub-contractors including agency labour £
Bona fide sub-contractors £
h) All other activity
Direct employees working manually £
Labour only sub-contractors including agency labour £
Bona fide sub-contractors £
10. Do you
a) undertake contracts performed outside Great Britain, Northern Ireland, the Isle of
Man or the Channel Islands? YES NO
b) export goods or services to the United States of America or Canada? YES NO
c) work on gas or oil rigs or other offshore installations? YES NO
d) work on, or supply products for use in, the manoeuvring areas or aprons of an
airport (“airside”)? YES NO
e) work on, or supply products for use in, any railway system, infrastructure or
premises? YES NO
f) work on external aerials or masts or at heights exceeding 15 metres or depths
exceeding 3 metres? YES NO
g) work on or at airports, aircraft, watercraft, collieries, mines, gas, petrochemical and chemical works, power stations, oil refineries, fuel depots, quarries or other sites which may involve special hazards?
YES NO
h) use, handle, store or transport hazardous substances such as toxic chemicals, explosive substances, gases, asbestos, radioactive substances or any materials giving rise to dust, fumes or vapours?
YES NO
i) or do your sub-contractors use blow lamps, blow torches, electric oxy-acetylene or other burning, welding or cutting equipment, or any process involving the application of heat other than electrically powered soldering irons, away from your own premises?
YES NO
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If “YES” to any part of Question 10, please provide full details including an estimate of the wages & turnover for the next 12 months:
11. Do you have a written Health & Safety policy? YES NO
If “YES”, please confirm the name of the person responsible for Health & Safety, their position within your business and their relevant qualifications:
12. Do you own or operate lifts, cranes, hoists, boilers, steam containers or other
pressure vessels? YES NO
If “YES”, are these inspected to comply with statutory requirements? YES NO
13. Are your business premises in a good state of repair and your plant and
machinery properly fenced and guarded? YES NO
14. Do you check that the sub-contractors you engage are properly and adequately
insured prior to the commencement of the work they are to perform? YES NO
If “NO” to the second part of Question 12 or to Question 13 or 14, please provide full details:
15. Do, or could, any of your processes result in the escape or discharge into the
atmosphere or land of any toxic or dangerous substance? YES NO
16. Do you engage in contracts where you act as “Principal Contractor” in
accordance with the Construction (Design & Management) Regulations 1994? YES NO
17. Do you
a) apply contract conditions which may extend your legal liability? YES NO
b) accept potentially onerous contract conditions which may require you to
indemnify, hold harmless, waive or assume the legal liability of any other party? YES NO
If “YES” to any part of Question 15, 16 or 17, please provide full details:
COVER REQUIRED
1. Please advise the date the Insurance is to commence:
Note: Cover will not commence until ECIC have accepted this Proposal or agreed to hold covered.
2. Please advise the Public/Product Liability indemnity limit you require:
Note: Limits of £1,000,000, £2,000,000, £5,000,000 or £10,000,000 are available. £
3. Do you require Employers’ Liability cover?
Note: The Employers’ Liability indemnity limit is £10,000,000 any one event including costs and expenses. An inner limit of £5,000,000 any one event including costs and expenses applies in respect of Terrorism.
YES NO
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1. Have you or any partner or director (in connection with this or any other business in which you or they have been trading)
a) suffered any loss, made any claims or been involved in incidents which have or could have resulted in a claim in respect of the risks proposed within the last
5 years? YES NO
b) had claims settled or notified against you within the last 10 years in respect of an occupational illness or disease (i.e. deafness, vibration white finger, repetitive strain
injury, dermatitis, lung disease or cancer) or pollution or contamination? YES NO
If “YES” to either a) or b) above, please advise: Type of
Insurance Date of Loss Details of Loss Amount Paid Outstanding Amount
2. Please provide the following information about your present liability insurance. If you are not presently insured (other than where your policy has recently lapsed) please state “none”.
a) Present Insurer b) Renewal Date
3. Has an insurer ever
a) declined to insure you? YES NO
b) cancelled or declined to renew any of your insurances? YES NO
c) required special terms? YES NO
4. Have you been prosecuted during the last 5 years under any safety or
environmental legislation? YES NO
5. Have you or any director or partner ever been
a) convicted of or charged (but not yet tried) with any criminal offence other than
motor? YES NO
b) declared Bankrupt or insolvent? YES NO
c) a director or partner of a company that went into liquidation? YES NO
d) the subject of a recovery action by Customs and Excise or the Inland Revenue? YES NO
If “YES” to any part of Questions 3, 4 or 5 above, please advise details:
IMPORTANT
Please read the following and check your answers carefully before you sign and date the Declaration.
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material to underwriting this insurance. However, because no list of questions can be exhaustive please consider whether there is any other material information which is known to you which could influence our assessment and acceptance of the risk. Failure to disclose all material facts whether or not the subject of a specific question may invalidate your insurance.
We recommend that you should keep a record of all information, including copies of this proposal form and any letters, supplied to us for the purposes of entering into this insurance contract. Please let us know if you would like a copy of this proposal form sent to you.
DECLARATION
1. I/We declare that to the best of my/our knowledge and belief
a) the statements and particulars supplied by me/us or on my/our behalf in this proposal are true and complete
b) any statements or particulars supplied by me/us or on my/our behalf separately are true and complete c) that no material information has been withheld.
2. I/We agree that this proposal and any statement and particulars supplied separately shall form the basis of the contract between me/us and the Electrical Contractors’ Insurance Company Limited.
3. I/We agree to accept the Electrical Contractors’ Insurance Company Limited’s usual form of policy for this type of insurance. A specimen copy of the policy is available on request.
4. I/We understand that Insurers share information with each other, credit reference agencies and other information agencies with regard to credit agreements, policies and claims, primarily to help assess risks, handle claims and prevent frauds. I/We consent to this.
Authorised Signature Date
Position of Signatory Data Protection Act
We may use the personal and business details you give us, or which are supplied by third parties, to provide you with a quotation, to administer your policy, to search the files of credit reference agencies who may keep a record of the search, to carry out such financial and other enquiries as we consider necessary to evaluate the risk and assist in making a decision regarding our acceptance of the risk, to support the development of our business including your details in customer surveys, and for market research and compliance business reviews. We may also share these details with other insurance
organisations to help off-set risks, to help administer your policy and to handle claims and prevent fraud. We will store your details on computer but will not keep them for longer than necessary. Under the terms of the Data Protection Act 1998, you are entitled to a copy of all the information we hold about you.
Notice to Proposers Under the Insurance Companies (Third Insurance Directives) Regulations 1994
If you are applying for insurance protection as a private individual or as a sole trader (or for the benefit of a private individual or sole trader) you should carefully read the following information.
Law Applicable to the Contract
The law applicable to this insurance contract is subject to agreement between the parties.
Unless a special endorsement to the contrary has been requested by you and agreed by us the law applying to this Insurance contract will be as follows:
if you are applying for insurance protection as a private individual the law applicable to that part of the United Kingdom, Channel Islands or Isle of Man in which you or the first named policyholder normally resides, or
if you are applying for insurance protection in your capacity as a sole trader the law applicable to that part of the United Kingdom, Channel Islands or Isle of Man in which you have your principal place of business, or
if neither of the above applies, the Law of England and Wales.
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Customer Care
Electrical Contractors' Insurance Company Limited ('ECIC') is committed to maintaining a high standard of professional conduct in all our dealings with customers.
However if you feel that your insurance arrangements have not been handled in the manner in which you would expect and you wish to make a complaint, please contact the Underwriting Manager at the office of ECIC that issued your policy. We will ensure that the matter receives immediate attention. You will be sent a copy of our Complaints Handling Procedure. If you feel that the matter has not been settled to your satisfaction you may write to the General Manager, ECIC, ECA Court, 24-26 South Park, Sevenoaks, Kent TN13 1DU.
If you are not satisfied with our investigation and conclusion of your complaint or eight weeks have passed since initially making your complaint and you are an individual consumer or a business with a group annual turnover of less than £1million you may refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
ECIC is a member of the Association of British Insurers and a member of the General Insurance Standards Council. ECIC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
