What does ‘primary trade’ mean?

Your ‘primary trade’ is the main activity your business carries out. If you are concerned your ‘primary trade’ definition does not fully encompass your business activities, please call us.

What is meant by geographical limits?

As part of your quote, we will ask you where or in which countries you carry out your work. This is recorded in your ‘Statement of Fact’ document and your policy will then cover work carried out in this area.

What is meant by jurisdictional limits?

As part of your quote, we will ask you which legal jurisdiction your contracts are under. This is recorded in your ‘Statement of Fact’ document and your policy will cover claims brought within these jurisdictional limits or applicable courts.

What is meant by continuous limits?

Continuous limits are applied to parts of your cover such as turnover and wage roll. We include these limits in your policy to give your business room to grow before we ask you to contact us and update your policy. For instance, if you tell us that you have £30,000 of turnover annually, a continuous limit might allow this to increase to £40,000 without you having to tell us about it. We ask that you check your Schedule and Statement of Fact every year at renewal, and let us know if you think you might be at risk of exceeding your continuous limits so that we can update your policy and make sure you are still fully covered.

Call on 0800 2800 351 Mon - Fri, 8am to 7pm, Sat, 9am to 2pm excluding bank holidays.

Related FAQs

If you haven't found the information you need, see if we've caught your query in our business insurance FAQ hub. Here,  you'll find answers to questions on the specifics of our policies, information about the types of cover you might benefit from, and FAQs on making payments.

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Need more help? Speak to our UK-based experts. Call us on 0800 2800 351

Mon - Fri, 8am - 7pm, Sat, 9am to 2pm. Calls are free from a landline and some mobile contracts