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


Why use Liability by Yutree?

Hard hats over industry - shutterstock

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 quotes in 24 hours with new binder for Yutree

We announced, back in August, that we had been approved as coverholders by Lloyd’s of London. Since then we have been working on a binder with insurers and we are now delighted to announce the launch of our contractors binder backed by Lloyd’s.

Coverholder at Lloyd's

What does this mean for our brokers?

We will still be writing the same business that we have been i.e.

  • General liability
  • Contractors’ liability
  • Contractors’ all risks (CAR)

As well as general liability, we are now able to underwrite contractors liability and CAR risks, up to a premium of £10,000, and issue documentation without referral to insurers. This will significantly improve our service standards to our brokers.

“We have been delighted in the ability of everyone at Yutree to provide solutions for our construction clients. They are always keen to find a way to deal with difficult cover issues and are always happy to pick up the phone and discuss the details which matter to us as a broker. If only everyone in the market could offer the same!” 

Hard hats over industry - shutterstock


With full binding authority from insurers on general non-contracting and contracting liabilities we are able to make the following service promise to our brokers:

  • Quotes will be responded to within 24 hours of receipt as far as is reasonably practicable
  • When cover is incepted, documents will be issued immediately with the confirmation of cover

“Every day we’re saying, ‘How can we keep the customer happy? How can we get ahead in innovation by doing this?’… because if we don’t, somebody else will.”Bill Gates

So, why use Yutree?

  • A+ rated security
  • 24 hour quote response time
  • Immediate document issue
  • Access to underwriters who can make a decision
  • No policy fees
  • Exclusive quotes
  • Flexible underwriting
  • Extensions available including financial loss, Bartoline, overseas workers, JCT 6.5.1……

And, on top of all of that we provide you and your colleagues with regular technical advice and briefings via this blog to help you to advise your clients on their liability and contractors’ cover requirements. Here are a few from the archives:

Yew tree, new shoots - Shutterstock

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

Old telephone - Shutterstock

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