A Guide to Working With Asbestos Insure and Site Compliance Audits

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1 asbestos industry insurance scheme

2 contents Company Profile Page 2 The Scheme Page 3 Liability Insurance Page 4 Professional Indemnity Page 5 Contract Works Page 6 Motor Fleet Insurance Page 7 Legal Expense Insurance Page 8 AMAC Page 9 Testimonials Page 12 Fax Back Page 13 Contact Us Page 14

3 companyprofile Asbestos Insure was established in 2005 as part of the Direct Insurance group, creating a team of specialist advisors to the Asbestos Management sector with the aim of providing tailored specialist Insurance packages. Since 2005 we have been successfully working with companies within the Asbestos Sector, and as number one choice for many Asbestos contractors in the UK we offer comprehensive Asbestos Insurance Coverage at Market Leading Rates backed up by excellent service standards. We understand the Asbestos Industry and the attention to detail required. It is for this reason we teamed up with Insurers, QBE Insurance Group, Beazley Group and Zurich, market leaders in specialist business insurance. Asbestos Insure and our panel of Insurers continue to work closely with the Asbestos Management Industry and are committed in supporting you in the long term. Every one of our clients is appointed their own specialist advisor to handle their requirements and service their needs throughout the life of your policy. Our dedicated claims handlers ensure that your needs are met swiftly and claims are concluded promptly and to your satisfaction.

4 thescheme Our insurance package can cover you for every eventuality and whilst working in partnership we can ensure: A reduced cost of premium Independent advice & assistance when renewing your license from AMAC Increased level of service through our partner management In house dedicated claims team Fast, efficient and pro active service Insurance advice from people who understand your industry A rated insurer security Long term commitment & security you need Exclusive finance agreements to spread the cost of your payments Who We Cover As you know, the Asbestos Management Industry is one that requires absolute attention to detail and the highest possible standards. Asbestos Insure operate with exactly the same approach. Our policies are tailor made and bespoked for your Industry. Working with Asbestos Insure we can provide cover to companies who work with Asbestos such as: Asbestos Removal Contractors Asbestos Consultants Asbestos Surveyors Asbestos Roofing Contractors Asbestos Scaffolders' Asbestos Electricians Asbestos Cleaning Companies Asbestos Demolition Companies Any other trade associated with Asbestos Please read on further for what we cover

5 liabilityinsurance When it comes to protecting your company and your employees, choosing the right cover is paramount. Our policy is specifically designed to meet the demands and needs of the Asbestos Industry. Please see below the covers and benefits offered that will afford you the best protection: Employers Liability 10,000,000 (higher limits are available on request) Public/Products/Pollution liability limits to 10,000,000 as standard Financial Loss automatically included at 500,000 Employee Rehabilitation Benefit No Height or Depth Limitations No Employers Liability Excess No Hazardous Working Location Exclusions Corporate Manslaughter Defence Costs Indemnity at 1,000,000 Statutory clean up costs incurred under statute Underwritten but Global A Rated Insurer QBE Group QBE Insurance Group QBE Insurance Group is one of the world s leading insurers and reinsurers, operating out of 45 countries around the globe, and doing business in over 100. We are market leaders in the vast majority of products we offer. Our experience goes back more than 120 years, and we have 10,000 staff worldwide with headquarters in Sydney and a public listing on the Australian stock exchange, our gross written premium to year end 31 December 2007 totalled 5.2 billion. QBE is rated A+ (Stable) by Standard & Poor s, as A+ by Fitch Ratings, and as A (Excellent) by A.M. Best We operate throughout Europe, where we have a unique ability to interpret each marketplace combining our in-depth knowledge with the breadth of experience of our product experts.

6 professional indemnity This Professional Indemnity policy is designed specifically for organisations involved with the inspection, removal, analysis, and management of Asbestos Containing Materials. The policy wording has been specifically designed to meet the demands and needs of the Asbestos consultancy industry and encompasses a wide scope of coverage. Standard Limits from 250,000 to 5,000,000 (higher limits are available on request) Choose your own Excess from 2,500 to 50,000 The policy also extends to include coverage in respect of Libel & Slander, Loss of Documents, Employee Dishonesty, Breach of Copyright and acts of Sub Contractors. Underwritten by A Rated Insurer : Beazley Beazley Group plc Beazley Group plc is the London-based parent company of global specialist insurance businesses with operations in the UK, US, France, Singapore and Hong Kong. Beazley manages two Lloyd s syndicates (2623 and 623) with aggregate underwriting capacity in 2008 of 814m. Both syndicates are rated A by A.M. Best As a specialist insurer, Beazley is able to bring a tailored approach to a specific class, exposure or industry that is designed to meet the needs of its clients. Beazley has invested heavily in claims expertise to offer clients a highly responsive and proactive service in the event of a claim. Beazley is market leader in many of its chosen lines, including professional indemnity, commercial property, marine, reinsurance and personal lines.

7 contractworks Contract Works Insurance (also known as contractors all risks) covers temporary and permanent construction works plus materials should they be damaged or the materials stolen prior to completion. Contract Works offers All Risks protection for materials usually referred to as contract works. It can also cover owned and hired-in contractors plant and employees personal tools and effects. Significant Features & Benefits Policy Underwritten by A Rated Insurer : Zurich All Risks cover for contract works on site up to handover and 14 days thereafter where required by contract Transit to or from the contract site (other than by air or sea) Contract works stored away from site Indemnity to principal where required by contract conditions Expediting Expenses Debris Removal Professional Fees Cost of clerical labour and materials for redrawing plans Completion of a proposal form is not required Hired-in plant cover on a legal liability basis Continuing hire charges following loss or damage Zurich Insurance Our headquarters are in Zurich, Switzerland, and we employ over 55,000 people serving customers in more than 150 countries. Founded in 1872, we have looked forward and outward since our very earliest days, when we were the first insurer in Switzerland to offer global insurance programs. Over the years we have spread our reach and now have a global network of subsidiaries and offices in North America, Europe, Asia Pacific, Latin America and other markets. With 135 years experience in the world of insurance and excellent risk insights and capabilities, our global brand reinforces our dedication to continue anticipating and meeting tomorrow s insurance needs. Working with our customers to understand their business and their concerns, we can adapt our products and services to meet those needs, and develop new solutions for a new age.

8 motorfleet It is imperative that your policy meets the demands and needs of your industry, and that includes the right coverage. All our fleet policies on offer include cover for carriage of Asbestos which many fleet policies exclude. Our approach to managing work related road risks is based on a three step process, which will help you integrate risk management into your existing operating procedures. We ll help you understand the risks you face, manage those risks more effectively and continually monitor performance. In addition to simply arranging your Motor Fleet insurance each year, we will meet with you on site to discuss your operations. We can then ascertain what information and practical solutions are appropriate to your business needs, to help you identify, manage and ultimately reduce your accidents. Asbestos Insure will tailor a Fleet Insurance package to suit your business requirements, saving you premiums on existing Fleet Insurance and also improving your efficiency by ease of administration. With one insurance package we can reduce the administration costs in managing many different policies whilst also saving you both time and money on existing Fleet Insurance. The benefits of working with Asbestos Insure are: Reduced cost on policy premiums One managed policy Free Risk Management In House Claims Team Fast, Efficient and Pro-Active Service We use a selected panel of motor insurers in order to obtain the terms possible for you.

9 legalexpenses insurance Costly and lengthy litigation can cripple a company, but with Legal Expense insurance purchased, the policy will help ensure that your business stays on track by avoiding many of the distractions and more importantly, the associated expense that litigation causes. Your business benefits from legal assistance as soon as the cover starts and you can call upon the following legal services from day one, as and when they are needed: Download legal documents and letters from a dedicated website and personalise them to meet your specific needs. Access the law guide so you can quickly understand what you need to know to help your business 24 hour, 365 days a year legal helpline to provide immediate advice on business matters Automatic Legal Services Legal Advice Tax Advice and Protection Counselling Assistance Legal Updates Employment Protection & Compensation Awards Property Protection Compliance & Regulation Employees Extra Protection All this with the secure backing of an international group ARAG The Arag Group is one of the world leaders in legal solutions, with over 3,700 employees worldwide, and an annual premium income of over 1.3 billion. With 70 years experience as an insurance services specialist ARAG is now a world leader in international growth markets and is active in eleven European countries.

10 The Asbestos Management Auditing Company Since the asbestos removal industry is one of the only three industries in which companies require a licence to operate. The Health and Safety Executive s Asbestos Licensing Unit is robustly enforcing the requirements of the Control of Asbestos regulations This has resulted in some asbestos removal contractors failing to meet the Industry Standards required by the regulations and this has lead to one or more of the following actions: - Inclusion onto the Asbestos Licensing Unit Priority Visit list which means constant unannounced HSE site visits. - Reduction in the terms of a new license from 3 years to 1 year with special conditions imposed. - Total revocation of the asbestos license. A large number of Asbestos Removal contractors are already subject to at least one of the above impositions thus seriously affecting their trading position or preventing them from trading at all. AMAC working with the Contractor AMAC is a totally independent management auditing company dedicated to providing a first class and truly independent asbestos management and site auditing service to companies or individuals who are involved in asbestos related industries and our services are free to those customers who choose Direct Insurance as their preferred partner for Insurance. Complying with current Health and Safety legislation, particularly the asbestos regulations, is becoming increasingly time consuming and fraught with pitfalls for the contractor. AMAC s Contractor Compliance Audits provide informed feedback regarding legislative compliance, and if utilised positively can provide the contractor with a very powerful management tool. As far as the asbestos contractor is concerned, it is far more preferable for the contractor to identify his own mistakes and remedy them, than it is to have an enforcement officer identify the problems which may lead to prosecution, enforcement action or worse still, loss of his licence. Through site compliance auditing AMAC can provide a valuable service to contract managers, directors, etc. and actually assist in developing management tools and working strategies, ensuring legislative compliance for underpressure contractor managers. Independent audits provide peace of mind that you re compliant with legislation and also demonstrate to the HSE, upon license renewal, your continual, conscientious commitment to meeting Industry Best Practise and Standards. AMAC s Management compliance auditing is designed to be utilised to assess the effects of company policies relative to their health and safety plans and safe working procedures. It also provides snapshots of sites, offices, etc. to ensure that company working procedures are being implemented correctly and finally it provides companies with the confidence that they are complying with relevant H&S legislation, thus allowing them to focus freely on other aspects of their businesses at the same time as delivering a truly safe working environment for their employees, and the public.

11 The Asbestos Management Auditing Company AMAC Freedom of Choice AMAC s compliance auditing service has been developed to cover the legislative requirements of the following range of companies. Duty Holders Regulation 4 of the Control of Asbestos at Work Regulations places a requirement on businesses to manage asbestos in any premises they are responsible for maintaining. AMAC provides an auditing for compliance service designed, via physical auditing, to verify duty holders total asbestos management plans and registers. AMAC can make recommendations regarding maintenance procedures, risk assessments and company asbestos policies, whilst at the same time ensuring duty holders are complying with the CAR and carrying out the actions required by their management plan. Training Providers In order to be included on the HSE list of competent training providers anyone who provides asbestos related training should have agreed in writing to follow the HSE training guidance set out in chapter 4 of the HSE Publication Licensed Contractors Guide and should be able to demonstrate compliance. AMAC can provide a commercially independent auditing service for training providers to assist them in complying with the requirements of chapter 4. AMAC is not a commercial training provider; it can offer a completely independent auditing service for training providers, assuring them of a totally impartial, objective and confidential service. Asbestos Removal Contractors and Licence Holders Asbestos removal contractors are required to work within the framework of the Control of Asbestos Regulations and the Hazardous Waste Regulations. In addition, they have to apply for an HSE Asbestos Licensing Unit Operating Licence at regular intervals. AMAC via compliance auditing provides a totally independent service and feedback regarding contractor compliance with regulations. As AMAC is a totally independent organisation the service it provides for each contractor is impartial, objective and confidential. Multi-Discipline Contractors Multi-discipline contractors can benefit from AMAC s compliance auditing service relative to all of their divisions, particularly if a division is likely to have operatives who may be working adjacent to, with, or likely to disturb asbestos. AMAC can provide outside independent auditing which will compliment the systems a multi discipline contractor already has in place and because of AMAC s independent status, the contractor receives a fresh and alternative view on their health and safety procedures and issues. Tel/Fax: info@amac.org.uk Advisory Service mikekeeligan@amac.org.uk Publications christine@amac.org.uk

12 directinsurancetestimonials... SL Industrial and Environmental Services Limited - Kent SL have been involved with the asbestos industry for over 30 years, and along with all our competitors had serious issues with insurance and insurers. For many years the industry was dominated by one insurer, with very little competition. In 2006 we were contacted by David Bearman of Direct, who, along with a major worldwide insurer had introduced an industry scheme which covers all aspects of the companies insurance needs. This scheme has had the result of bringing a long awaited stability to the industry and ensure our long term insurance needs. As a company, Direct have proved themselves to be very efficient in dealing with any issues and have always given immediate response to any queries. SL would have, and indeed have had, no hesitation in recommending Direct, and look forward to a long association with them. Stan Wright, Managing Director Asbestos Consultants to the Environment Limited - Essex Asbestos Consultants to the Environment have dealt with Direct Insurance for a few years now and have always been impressed with the service and professionalism they have to offer. Direct Insurance know the complexities of being a laboratory, and the expectations we require. Our customers are national companies requiring us to have the best cover available. Direct Insurance deliver this, at competitive prices. The PI, Liabilities and Building package offer great value for money. Direct Insurance are quick to respond to our customers requests. Trevor Tunnicliffe, Projects Manager Colchester Skip Hire Limited - Colchester Not only did Direct Insurance save us money in our first year with them after we moved to them from Miles Smith Plc. They have continued their promise in ensuring that we got an even more competitive deal this year. Their professionalism and speed of handling claims has been exceptional and will serve as a wake up call to other brokers and Insurers. Mark Slade, Director Lenval Limited Stanford Le Hope Insurance has always been a very emotive subject in our industry, until now! Direct Insurance implemented a comprehensive, cost effective solution for our business and they really are committed to our cause. I would not hesitate to recommend them to other Asbestos Removal contractors. Kevin Turp, Managing Director

13 AsbestosContractors InsuranceFaxBack Customer Information: Contact Name: Company Name: Address: Telephone Number: Website: Policy Information: Our Liability Insurance is due: / / Our Professional Indemnity is due: / / Our Plant Insurance is due: / / Our Vehicle Insurance is due: / / Other policies are due: / / Description: Full Business Description: Financial Information: Turnover: Clerical and Managerial Wages: Asbestos Operatives Wages: Asbestos Supervisors Wages: Other Manual Workers not involved in Asbestos: Please describe duties: Claims History: FaxBack: Freefone: Cumberland House 129 High Street Billericay CM12 9AH T: F: E: info@ W: www.

14 contactus... Call and speak to one of dedicated Asbestos Account Executives to discuss your requirements and receive a tailored quotation today: Cumberland House, 129 High Street, Billericay CM12 9AH T: F: E: info@ www.

15 Cumberland House, 129 High Street, Billericay CM12 9AH T: F: E: W: www.