Yutree Completes Transformational New Liability Capacity Deal

We are delighted to announce the launch of our brand new binding authority liability product backed by Endurance Lloyd’s Syndicate 5151. This product replaces our existing BIBA Liability scheme backed by W.R. Berkley along with our other liability facilities.

BIBA SchemeLogo2009

What does this mean for brokers?

As Coverholders at Lloyd’s we have been able to partner with Endurance to provide a flexible solution for employers, public and products liability business. With increased capacity and underwriting authority, we are able to underwrite much more of your business in-house offering a fast turnaround on quotes and a much wider risk appetite with rates for over 600 trades. Coupled with market leading cover and with the strong financial backing of Lloyd’s, Liability by Yutree now offers you and your clients so much more.

Coverholder at Lloyd's

“The Yutree Liability scheme has proved very popular with the BIBA membership since its inception in September 2015. The new capacity will further enhance the capabilities of the scheme with many more trades now being able to be catered for, whilst maintaining a  simple and straightforward placement process” – Steve White, Chief Executive, British Insurance Brokers Association

What can we write?

  • Contractors liability for most types of contractor
  • General liability risks including retail, wholesale, manufacturing, leisure, food and drink, freight and transport and clubs and associations and much more
  • Property owners liability for landowners, communal areas, building plots etc

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Why use Yutree?

  • Low minimum premiums of £150 + ipt
  • 600+ trades can be considered
  • Flexible underwriting including being able to accommodate overseas workers, Bartoline extensions, multiple trades, overseas exports etc.
  • Fast quote turnaround
  • No administration or policy fees
  • 15% commission across all sections
  • Standard & Poor’s A rated security
  • Exclusive quotes

If you would like a quote or to discuss any of the above, please feel free to call me on 01638 675992/07712 427988 or e-mail me on laura.high@yutree.com

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A welcome message and a change to Yutree phone and fax numbers

We are delighted to welcome to those new brokers who have started trading with us recently. A traditional service model with underwriters here to talk to you about your risks and a carefully managed distribution strategy all remains core to our proposition here at Yutree.

Yutree specialise in general liability for most trades and contractors all risks insurance. We also have a combined policy for the media and entertainment sector which is for all types of media companies from post production houses and TV companies to outdoor events organisers.

We understand that you have a duty of care to your clients and we only work with high quality insurer markets with sound financial backing resulting in peace of mind and security for you and your clients.

Setting us apart from many of our competitors, we won’t charge any policy fees or adjustment fees. This means that dealing with Yutree is completely transparent from the outset.

New contact details:

You will probably have seen that OFCOM, the UK communications regulator, has recently changed the rules for all of its phone companies to make the cost of calls clearer to callers.

For those of you who have used our general office and fax numbers, Yutree are doing away with all 0845 numbers to make contacting us more straightforward.

Our main office phone number will now be 01638 660651.

Our fax number will now be 01638 669774.

Direct dial numbers for the underwriting team are unchanged:

Laura High: 01638 675992

Danielle Rairigh: 01638 675995

Liberty Anderson: 01638 675996

Sara Culling: 01638 675998

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Do contact us on our the numbers shown above if you would like to discuss a risk or any aspect of trading with Yutree Underwriting.

Thank you very much.

Kind regards

Laura High


Yutree Underwriting

T: 01638 675992 / M: 07712 427988

E: laura.high@yutree.com


Noise Induced Hearing Loss claims – As a broker, how can you help to protect your clients and their businesses?

“Are you entitled to compensation for Noise Induced Hearing Loss?” There has been a significant rise in marketing activity from firms of solicitors and claims management companies promoting a ‘no win no fee’ approach to claims for industrial deafness. “How much for Tinnitus?” “What’s my claim worth?” “Can I get compensation?” are all strap lines designed to draw potential claimants towards firms who will act on their behalf and guide them through the process of claiming.

What does this mean for your clients receiving solicitors’ letters alleging Noise Induced Hearing Loss (NIHL)? Businesses being targeted by claims management companies and solicitors include:

  • Steel industry
  • Engineering
  • Manufacturing
  • Construction
  • Textiles

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It is often the case that one successful NIHL claim will lead to others as the word spreads. A run of these on a claims experience will have an adverse effect on your clients’ insurance premiums in the future. Whilst the claims are often historic, there is a job to do in tracing the insurer who was the Employers Liability insurer for the business at the time. If your client is unable to trace the historic records or insurers then it may ultimately be their responsibility to handle the claim. Also, if the claimant is still insured, there will be a case to answer for your client.

What advice can you offer your clients facing such claims against them? These claims can and should be defended. The Supreme Court decision in Baker v Quantum Clothing Ltd (2011) is seen as having prevented the floodgates being opened to industrial deafness claims http://ukscblog.com/case-comment-baker-v-quantum-clothing-group-ltd-ors-2011-uksc-17/

In the insurance trade press recently, Aviva are quoted as saying that 85% of NIHL claims fail. There is a suggestion that these claims can succeed because many of them are against companies no longer trading or no documents are able to be traced. Your client should, at the very least:

  • Make a full search of their archives to identify their brokers and insurers at the time the claimant was employed and to demonstrate their workplace practices at the time
  • Have a solicitor on standby who is well versed in handling NIHL claims to ensure that a robust defence can be deployed
  • Question the claimant’s history of exposure to noise
  • Challenge the results of noise testing if there is any doubt as to its reliability
  • Instruct an engineer to forensically calculate noise levels if similar machinery can be inspected. Historic noise surveys can also be used to ascertain what noise levels may have been in a factory which has since closed down or where machinery has been sold or disposed of.

Use the Employers Liability database to help your clients to trace prior insurers http://www.elto.org.uk/

And of course, today’s risk management will play a major part in preventing losses and showing your client, when placed under scrutiny, as a business which takes its responsibility for the standard of care to its employees seriously. Advise your clients to:

  • Assess the risk to employees
  • Take action to reduce exposure
  • Provide personal protective equipment (PPE) to employees
  • Provide training and information to employees
  • Maintain records of training, information provided and PPE provided
  • Carry out regular health checks
  • Understand and manage the legal noise limits

For lots more useful information and advice for your clients on this subject, take a look at the HSE website http://www.hse.gov.uk/NOISE/advice.htm 

Steel factory - Shutterstock