Liability & Property Coverage
We can facilitate a comprehensive range of products and services specifically tailored to meet the unique needs of our FEC members, as we understand that the assets and activities of FEC organisations are wide-ranging. With FEC Mutual by your side, companies can effectively mitigate emerging risks and safeguard their operations.
Our Public Liability Coverage
We provide a first-rate alternative to conventional Public Liability insurance, with none of the 'Conditions, Precedent' that can invalidate our competitors’ coverage. This tailored alternative to conventional insurance allows us to cater for the unique needs of your organisation.
Other Liability & Property Cover
- Property Damage and Theft – Buildings, contents, stock, personal belongings.
- Business Interruption – Loss of revenue and/or additional costs following an interruption caused by covered property damage or other specified events.
- Employers’ Liability – Legal liability to employees for injury, death, or illness.
- Product Liability – Legal liability to members of the public for injury, death or illness and damage to property.
- Trustee and Management Liability – Personal legal liability of trustees, officers, directors, employees and volunteers for errors or omissions in the management and administration of affairs.
- Professional Indemnity – Legal liability for negligent acts, errors, omissions, or negligent breach of duty arising from the provision of professional services or advice, unintentional defamation, and breach of confidentiality.
- Fidelity – Loss of money or goods caused by the dishonesty of employees or volunteers.
- Money – Theft of money, identity theft and fraudulent use of cards.
- Equipment Breakdown – Repair or replacement of electrical or mechanical equipment which breaks down.
- Goods in Transit – Goods whilst in transit by road, rail, post or sea in the UK and Eire.
- Personal Accident – Death and injury cover for permanent employees (optional cover for volunteers).
- Loss of Licence – Loss of revenue or the depreciation of the financial interest in the premises following the withdrawal of an alcoholic beverages licence by something outside the Member's direct control.
Additional Cover
- Terrorism
- Legal Expenses
- Contractors' All Risks
- Pension Trustees' Indemnity
- Travel
- Engineering Inspection
- Motor Fleet
The Benefits of Mutual Membership
Discover the exclusive advantages of becoming a Mutual Member, where a well-established and effectively managed mutual can offer you unique benefits.
Members for Members
We are offering a unique sense of community. FEC Mutual is creative and sustainable alternative to the broken insurance market: it's a group of like-minded businesses all facing similar issues with insurance and risk management.
Reduced Frictional Costs
Our operating model ensures transparency in earnings, eliminating the opaque mechanisms used by some insurance brokers for generating undisclosed fees and commissions.
Risk Management Focused
As a member, you benefit from improved risk management practices, leading to a potential reduction in the total cost of risk across the sector.
Members Own the Mutual
Unlike traditional insurance structures, FEC Mutual is owned by its members. Your involvement directly influences the decisions and directions of the mutual, ensuring alignment with members' interests.
Consideration of Member Claims
While claims are paid at the discretion of the Board, being a member-owned organisation means your claims are considered with a sympathetic understanding of the challenges unique to your industry. Expect a responsive and considerate approach to your claims.
Sustainable Competitiveness
We are committed to providing sustainable competitiveness for our members. We may not always be the cheapest but we will be here when you need us. By being a member of our mutual, you access stability, expertise and an understanding of the ever-changing landscape of activities sector.
FEC Mutual Comprehensive Insurance Coverage
Advertising Injury
Protect your business from damages and defence costs from certain advertising activities.
Court Attendance
Receive compensation for court attendance, ensuring your business is supported during legal proceedings.
Motor Liability
Have a legal liability that covers a business when faced with damages and defence costs arising from using any motor vehicle.
Contractual Liability
Safeguard against legal liabilities arising from contractual agreements with third parties.
Criminal Legal Expenses
Covers the legal expenses incurred in defending a business against criminal proceedings arising from a breach of certain laws.
Cross Liabilities
Protection against legal claims involving disputes among various parties within your business.
Damage to Lease
Coverage for damages to leased or rented premises, reducing the financial impact on your business.
Data Protection Act
Stay compliant with the Data Protection Act and receive coverage for related legal challenges.
Defective Premises Act
Protection against liabilities arising from premises defects, ensuring your business's peace of mind.
Indemnity to Principal and Others
Coverage that extends indemnity to principals and other key stakeholders in your business.
Joint Ventures
Mitigate risks associated with joint ventures through our specialised insurance solutions.
Member to Member Liability
Coverage for liabilities arising between members of your business or organisation in respect of personal injury to any other member.
Obstructing Vehicles
Protection against legal liabilities in case of personal injury or property damage arising from any motor vehicle movement in your business operations.
Overseas Personal Liability
Extend your coverage to overseas operations incurred during temporary visits outside the country of residence as it is related to the business.
Unsatisfied Court Judgment
Covering damages and defence costs when an employee sustains personal injury within the specified geographic limits.
Vendors Liability
Protect your business from liabilities related to vendors, suppliers, and third-party partnerships.
FEC Mutual Comprehensive Coverage
Advertising Injury
Protect your business from damages and defence costs from certain advertising activities.
Court Attendance
Receive compensation for court attendance, ensuring your business is supported during legal proceedings.
Damage to Lease
Coverage for damages to leased or rented premises, reducing the financial impact on your business.
Contractual Liability
Safeguard against legal liabilities arising from contractual agreements with third parties.
Indemnity to Principal and Others
Coverage that extends indemnity to principals and other key stakeholders in your business.
Joint Ventures
Mitigate risks associated with joint ventures through our specialised insurance solutions.
Member to Member Liability
Coverage for liabilities arising between members of your business or organisation in respect of personal injury to any other member.
Cross Liabilities
Protection against legal claims involving disputes among various parties within your business.
Obstructing Vehicles
Protection against legal liabilities in case of personal injury or property damage arising from any motor vehicle movement in your business operations.
Overseas Personal Liability
Extend your coverage to overseas operations incurred during temporary visits outside the country of residence as it is related to the business.
Unsatisfied Court Judgment
Covering damages and defence costs when an employee sustains personal injury within the specified geographic limits.
Vendors Liability
Coverage for liabilities arising between members of your business or organisation in respect of personal injury to any other member.
Motor Liability
Have a legal liability that covers a business when faced with damages and defence costs arising from using any motor vehicle.
Criminal Legal Expenses
Covers the legal expenses incurred in defending a business against criminal proceedings arising from a breach of certain laws.
Data Protection Act
Stay compliant with the Data Protection Act and receive coverage for related legal challenges.
Defective Premises Act
Protection against liabilities arising from premises defects, ensuring your business's peace of mind.
Ensure Comprehensive Protection for Your Business!
Discover a tailored alternative to conventional insurance solutions for the unique needs of your business. Consult with us today for comprehensive coverage and peace of mind.
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