Liability Insurance for over 600 trades

Yutree are able to consider liability insurance for most trades on our BIBA scheme. October has been a busy month with lots of activity generated by our change of capacity provider and widened underwriting appetite.

To give you a flavour, this month, we have written liability policies for the following trades:

  • Domestic cleaning service provider
  • Marine electrical engineer
  • Mobile crane hirer
  • Piling contractors
  • Calligraphy society
  • Injection moulding
  • Handyman
  • Roofing contractor
  • Landowners
  • Haulage contractors
  • Retailer of beauty products
  • Plumbers
  • Freelance promoter for musicians
  • Personal trainer
  • Civil engineers
  • Swimming pool operator
  • Rigging contractor
  • Car park operator
  • Asbestos surveyor
  • Demolition contractor
  • Manufacturer of sports equipment
  • Groundworkers
  • Plant hirers
  • Game shoot
  • Event logistics manager
  • On-line retailers of home brewing product

Why use Yutree?

  • Fast quote turnaround
  • £150 minimum premiums
  • Exclusive quotes
  • No policy or admin fees
  • ‘A’rated security
  • Competitive premiums
  • Flexible underwriting

Coverholder at Lloyd'sBIBA SchemeLogo2009

If you would like a quote or to discuss any aspect of trading with Yutree, please call Laura High or one of the team on 01638 675992 or e-mail Laura at


A brand new product – Hauliers Liability by Yutree

We are delighted to launch our brand new product, Hauliers Liability by Yutree.

In partnership with Aviva, Yutree are bringing you access to our exclusive hauliers liability product providing employers, public and products liability cover for your haulage, removal and courier clients.

We have a long history of underwriting haulage business and can help you to win and retain business in this sector with our service, advice, cover and premiums.


Whether your client is an owner operator or managing a larger fleet we are providing a liability solution to deal with the compensation claims which they may be faced with in the course of running their business. From an employee accident at work to third party property damage, it is vital that your client can be confident that all claims will be dealt with swiftly. The transport industry is one which simply must keep moving therefore we provide peace of mind that all legal liabilities are covered by people who really understand the sector.

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Why deal with Yutree for your hauliers liability requirements?

  • Excellent financial security
  • Exclusive quotes
  • Competitive pricing
  • No proposal forms
  • £250 third party property damage excess
  • 15% commission
  • Rating based on wages and turnover
  • Flexible and logical approach to underwriting
  • Minimum premiums of £350 + ipt
  • Excess PL/Prods layers available

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If you would like to discuss a risk, find out more or get a quote then please do get in touch with me or one of the team on 01638 675992 or

Thank you for your continued support.




Why use Liability by Yutree?

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In partnership with BIBA we are providing members with an employers, public and products liability product designed for one man bands through to multi-million pound operations. As well as for general commercial businesses, we provide liability cover for risks which may not fit on-line solutions and which require an underwriter to consider the exposures. This flexible product along with access to underwriters and a straightforward and efficient service offering is proving very popular with brokers and their clients.


As a broker, looking for a liability quote for a trade which doesn’t appear in a drop down menu or if a risk is small or new, is not always easy and can take up half of your day. We want to provide you with a fast and easy solution for these risks with quick quotes and documents issued the same day that cover is instructed.

If you’d like a quotation or to discuss any aspect of trading with Yutree then please give me or one of the team a call on 01638 675992 or 07712 427988 or e-mail me at

Click here to have a look at our website and find out more

And click here to see our entry on BIBA’s new website

BIBA SchemeLogo2009

Liability by Yutree – For BIBA members

BIBA SchemeLogo2009

Since its launch in September, Liability by Yutree has proved to be a popular addition to the existing BIBA schemes. It would appear that lots of brokers have ‘one of those’ liability enquiries on their desks.

We are looking to help you with quirky and unconventional liability risks (as well as the normal ones!) We add value on risks which don’t fit an electronic solution and need an underwriter to understand the exposures and to rate them accordingly.

Our minimum premium is £150+ipt and there is no upper limit on turnover.

The following is a list of some of the trades that we have underwritten liability cover for since we launched this product. This gives you a good idea of the breadth of appetite that we have for liability business:

  • Dance class
  • Social networking facilitator and app designer
  • Beekeepers association
  • Funeral director
  • Seller of coconut oil products
  • Health food retailer
  • Provider of Bubble Soccer facility
  • Land owner
  • Distributors of beauty and skincare products
  • Calligraphy society
  • Property owner using site for car boot sales
  • Rental of storage containers
  • Wholesaler of vacuum pumps
  • Cafe and bike hire
  • Chocolate manufacturer
  • Banner manufacturer
  • Window and door manufacture
  • Pipe lagging
  • Provision of celebrants
  • Livestock keeper

If you have a risk that you would like us to consider or if you would like to talk about trading with Yutree then please do give me a call on 01638 675992/07712427988 or e-mail me on

I look forward to hearing from you

Laura High


UK Insurance Premium Tax (IPT) rate change

In the Summer Budget the Chancellor announced that there would be a 3.5% increase in the standard rate of IPT. With effect from 1st November 2015 the standard rate of UK IPT will increase from 6% to 9.5%.

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Yutree will apply the new rate of 9.5% to all new and renewal business effective on or after 1st November 2015.

Mid-term adjustments generating a return premium will be processed using the tax rate that was applied to the transaction to which it relates.

Mid-term adjustments on policies incepted prior to 1st November 2015 and generating an additional premium may be processed at the old rate subject to it being normal practice to process that transaction as a mid-term adjustment (rather than new business) and subject to it being processed before 1st March 2016. After this date, the new tax rate of 9.5% will apply.

Our approach is to ensure that there is clarity for your customers in respect of business placed via Yutree. Please make sure that your clients are aware of these changes and that they understand the financial implications of them. You can get more information to assist you with this on the government website GOV.UK – IPT change 2015 If you have any questions, please do not hesitate to get in touch.

Laura High


T: 01638 675992


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



Market Focus

We understand that, as a broker, it is vital that you really get your clients and what they do. We get what it is to be a broker. We have developed a proposition for brokers which we have coined as “refreshingly traditional.” We have replaced computer-driven responses with actual people. We are here to discuss your client’s risks, to understand their exposures and to provide sound insurance solutions. We want to help you to deal with the curve balls thrown by your clients when they take on a complex contract late on a Friday or require cover for an exciting new business starting today! We will give you someone to talk to. It’s a simple philosophy but one which we believe in.

“That’s been one of my mantras — focus and simplicity. Simple can be harder than complex; you have to work hard to get your thinking clean to make it simple.” – Steve Jobs

From time to time we hear, “the client went with a name they knew” as a reason for not winning a piece of business. We understand that and we want to share our reasons for choosing the insurer partners that we have to help you and your sales process.

Not all insurers are good at all classes of business. Not all insurers share our philosophy and not all insurers offer great cover, a global reach, strong financial security and a history of insuring risks which spans the last 327 years.

2014 was an outstanding year for the Lloyd’s market with profits of £3.2bn. The combined ratio was 88.1% and return on capital was 14.7%. The capital position was further strengthened with net assets of £23.5bn. Lloyd’s ratings were reaffirmed at A+ with Standard & Poor’s, A with A.M. Best and upgraded to AA- with Fitch Ratings.


Lloyd’s has an impressive history. From it’s beginnings in Edward Lloyd’s coffee house in 1688, Lloyd’s has been pioneering in insurance ever since. Your clients can have every confidence that Lloyd’s can meet all valid claims. How can they make this statement? Well, here’s how Lloyd’s manage and use your clients’ premiums:

  • All premiums received by syndicates (£45,139m*) are held in trust as the first resource for paying your clients’ claims. Until all liabilities have been provided for, no profits can be released
  • Each member must provide sufficient capital to support their underwriting at Lloyd’s The capital (£15,704m*) is held in trust for the benefit of policyholders
  • Lloyd’s central assets (£2,578m*) are available at the discretion of the Council of Lloyd’s to meet any valid claim that can not be met by either of the above

*all figures above are as at 31st December 2014

This financial strength is just one of the reasons that Yutree Underwriting have partnered with Lloyd’s. Lloyd’s will continue to be at the forefront of insuring a world threatened by global terrorism, economic uncertainty and climate change. Against a backdrop of several unrated insurers failing in recent years, as your clients’ trusted advisers, recommending Lloyd’s of London should not be a difficult decision.


“It’s coming home to roost over the next 50 years or so. It’s not just climate change; it’s sheer space, places to grow food for this enormous horde. Either we limit our population growth or the natural world will do it for us, and the natural world is doing it for us right now.” ~ David Attenborough

Have a look at Yutree Underwriting’s partners at Lloyd’s:

ProSight Specialty Insurance
C V Starr

Outside of Lloyd’s we also partner with:

W R Berkley

We write employers, public and products liability and contractors all risks and plant insurance with these markets focusing on their individual specialisms and niches to ensure that we are offering you the right market for your clients’ risks. If you would like to know more about our Lloyd’s and non-Lloyd’s markets then please do get in touch with me on 01636 675992 or e-mail me at

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Thank you, as always, for your continued support.