Product review: Essential PL and EL minus the package

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One star = Poor
Two stars = Average
Three stars = Good
Four stars = Very good
Five stars = Excellent

Product
Optima Liability

Underwriter
Groupama Insurances

Commission paid
Standard commission 17.50% for public liability (PL) and 10% employers' liability (EL) but variable with premium adjustment

Coverage
PL and products' liability up to £5m limit of indemnity
EL £10m limit of indemnity

Minimum premium
£150 at standard commission

Excess
£250 property damage excess

Contact
Commercial Underwriting Centre

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