Public Liability

Tokio Marine HCC employs a team of underwriters across the United Kingdom that provides unrivalled levels of service and expertise. We write standalone primary and excess liability and primary Contractors All Risks business from our regional offices and in London. We provide cover for risks located in the United Kingdom and Republic of Ireland.


  • PL limits up to £10 million (€13 million in Republic of Ireland)
  • Bespoke cover to meet individual companies needs
  • Ability to offer multi-risk products including public liability and management liability
  • Local empowered underwriters
  • Tokio Marine HCC is part of Tokio Marine, a premier global company
  • Able to write contractors who work overseas

Best For

  • Small and medium sized companies with a turnover up to £5 million
  • Contractors with design exposure
  • Low risk contractors – builders, electricians, painters / decorators
  • Specialist affinity group schemes with bespoke policy wordings

Summary of Coverage

  • Provides cover where the policyholder causes third party injury or damage in the course of their business which arises from the policyholder’s occupation of their premises, the products they supply and / or any contract work undertaken
  • Includes sudden and accidental pollution
  • Standard extensions include claims brought under the data protection act, financial loss extension (up to a limit of £250,000) and clean-up cost extension under the pollution section
  • Includes an indemnity to principles clause
  • Key exclusions include exposure to asbestos, terrorism and liquidated damages

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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Tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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