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What is efficacy insurance?

Efficacy is cover against the legal liability for injury to third parties or damage to third party property brought about by a product or service failing to perform its intended function. Efficacy insurance is also known as " failure to perform" insurance.

Why buy efficacy insurance?

Many professional bodies recommend or insist efficacy is included within your liability policy because of the essential protection it provides. An increasing number of organisations will not sub-contract work unless there is evidence of efficacy cover in place.

Which businesses need efficacy cover?

The following industry sectors can incorporate efficacy into their Public/Product Liability Insurance: fire and security; heating, ventilation & air conditioning; lift engineers; cleaning; pest control; facilities management; the renewables sector.

No one intentionally designs or installs equipment that fails, yet nightmare scenarios still happen.

In such circumstances, the efficacy clause is what protects your livelihood. Efficacy may be the difference between keeping your company, house, and car, or going bankrupt under a weighty legal claim.

Which brings us to Being independent we can look across a range of providers. Not every company needs the same level or type of efficacy cover. With you get the cover you need at a price you can afford. We also trade as Sandham Davies & Jones Ltd and have been involved in the efficacy market since its inception. is a trading style of Sandham Davies & jones Ltd

3 Park Square, Newport, Gwent, NP20 4EL

Authorised and Regulated by the Financial Conduct Authority, registration no. 229 652

Category: Insurance

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