Per Capita Liability

Whether clients of yours’ or of your introducing brokers are tradesmen, dance instructors, beauticians or web designers, the MGAM Per Capita policy offers affordable protection for all.


Designed to cover the risks and unforeseen events that could cause injury to customers or employees as well as loss of tools of trade or business equipment, the MGAM Per Capita policy is available for over 400 trade types.

Key points

  • Cover arranged with “A” rated carriers.
  • Instant quotations via MGAM’s market leading Quote and Bind platform.
  • System generated documents available immediately at point of sale.
  • Statement of fact basis – no need for proposal form.
  • Ability to cover low risk trades working at high risk locations.


The Per Capita policy is available for risks with up to 10 employees. Cover can include the following covers as standard but higher limits may be available on request:

  • Public/Products Liability up to £5 million.
  • Employers Liability £10 million.
  • Essential Business Legal Solutions.
  • Tools of trade and Business Equipment £10,000 (including the option to cover loss from unattended vehicles).

Target market

Over 400 trades can be quoted under the Per Capita policy including:

  • Builders
  • Taxi Drivers
  • Computer engineers
  • Kitchen/Bathroom Installers
  • Light Haulage Contractors
  • Training Consultants
  • Caterers
  • Yoga Instructors
  • Market Traders
  • Hairdressers/Beauticians (Including treatment risks).

MGAM – Here’s why

  • We are a Lloyd’s approved Coverholder.

  • Our technology led solutions put you in control by allowing you to quote, bind and issue documents at the press of a button.

  • You have the support of an experienced team of professionals ready to respond to referrals.

  • All our products are developed in collaboration with our partners and are designed with you in mind.

  • We constantly monitor emerging trends and are perfectly positioned to provide pioneering solutions.

“MGAM have exceptionally high service levels.”

Paul Longhurst, Broking and Distribution Director, Bishopsgate Insurance Brokers.

For more information contact

Monica King Divisional Director UK SME

T: +44 (0) 203 946 9114
M: +44 (0)7585 809677