Vantage

Your guide to mid-market

Construction

AXA Vantage / Your guide to mid-market Construction

Contents

AXA Vantage – our mid-market proposition . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

Construction market insight . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Why choose AXA for mid-market Construction? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

What risks are we keen to write? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Our mid-market Construction proposition . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

How can our Risk Management proposition enhance the service you offer? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Claims Excellence and Transparency . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Value Added Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

AXA Vantage / Your guide to mid-market Construction

2

hotel, hospitality & leisure

transport, distribution & logistics

motor fleet

services

motor trade

real estate construction wholesale & retail

manufacturing

What is AXA Vantage?

We understand that when you place your client’s mid-market business, you need more from your insurer than just a good product at a competitive price.

AXA Vantage is our exciting sector specific proposition for mid-market commercial business between £10k and £250k. Here we outline the key components of our proposition which we believe demonstrate our significant appetite and expertise in mid-market.

AXA Vantage Our refreshed mid-market proposition

Branch Network

¡ Specialist mid-market knowledge across a variety of trade sectors.

¡ Unprecedented levels of empowerment to make decisions.

¡ Desire to support mutually beneficial tripartite relationships.

¡ A commitment to having a meaningful dialogue with you within 48 hours of receiving your mid-market enquiry.

Risk Management

¡ 50 in-house business resilience experts.

¡ 12 chartered liability specialist surveyors.

¡ 24 in-house specialists delivering motor fleet surveys.

¡ We’ve designed a new Risk Management proposition for mid-market, find out more

Claims Excellence

¡ We’ve designed a new Claims proposition specifically for mid-market, find out more

¡ Dedicated Claims Relationship Managers.

¡ Trusted external partnerships.

¡ Transparent approach to claims.

Value Added Services

¡ Comprehensive case level support to win and retain business.

¡ Range of technical training events for supporting brokers.

¡ Access to market-leading digital tools and apps.

¡ Support from Ignition (AXA’s in-house marketing agency).

Trading Tools

Our branches are empowered to apply a number of trading tools including:

¡ Exclusives ¡ Net Rating ¡ Low Claims Rebates ¡ Tripartite Service Agreements

¡ Long Term Agreements ¡ Risk Management Fund ¡ Flexible Instalment Plans ¡ Rate Stability Agreements.

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Meanwhile, demand for construction materials continued to rise, placing pressure on stocks held by vendors and resulting in longer delivery times. Combined with the weak pound, this resulted in an increase in cost burdens for construction firms*.

Duncan Brock, director of customer relationships at CIPS, said: “With some doubt edging into the psyche of the construction industry about positive trading conditions, the sector will be guarding against continuing higher input prices with another eye on the possibility of rising interest rates as well.”

As the industry faces up to some of the most significant challenges it has faced for many years, construction clients will need to consider the evolving and emerging risks affecting the way they work.

Risk Management

Construction projects are generally seen as high risk due to the enormous fiscal requirements and unusual logistical challenges for companies constructing new office buildings, plants or production facilities. Underestimating risk can lead to poor procurement strategy. The remit of procurement strategy extends

to appointing competent designers, engineers and contractors. Robust due diligence checks need to happen to ensure poor selection (including selection based on cheapest cost) does not compromise the successful delivery of a construction project.

In addition to procurement strategy, the lack of skilled resources to actively manage the risk of project implementation may lead to poor decision-making.

Resolving disputes

The inherent and often unexpected risks on a new construction project present key challenges to engineering and construction companies. For example, if a project is delayed or disrupted, significant resources are engaged and management time consumed. The outcome can have serious consequences on corporate value. It is important that formalised contracts restrict the ability of contractors to sub-let critical areas of contract works which impinge on the completion of key areas. Setting out terms and conditions which are fair and do not seek to limit liability is also an important consideration.

Relationships with sub-contractors

Construction contractors are under constant pressure to improve margins, reduce costs and improve predictability. Developing long-term relationships with key strategic suppliers is a key part of delivering this strategy. This involves companies motivating their contractors to be pro-active, develop new approaches, solutions and work with them to reduce risk. Co-ordination and partnership between all parties is essential for the smooth running and timely completion of the contract. Adopting an approach which is adversarial rarely works and frequently ends up in arbitration. This, in turn, leads to mounting delays and additional costs for the construction project.

The construction sector is hugely important and underpins the foundations for prosperity in the UK. It is responsible for building housing, infrastructure and job creation.Growth in the UK construction sector has slowed in 2017 with Construction Managers commenting on growing signs of risk aversion among clients, reflecting concerns about the economic outlook and political uncertainty. Firms were also the least optimistic about near-term growth prospects since December 2016*.

Construction market insight

* CIPS UK Construction Purchasing Managers’ Index, PwC

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AXA Vantage / Your guide to mid-market Construction

We have proven expertise and experience in mid-market Construction.

Why choose AXA for mid-market Construction?

We have a long and successful track record, dating back to the 1930s, of identifying construction opportunities and developing our expertise; this has played a large part in our strategy over the decades and remains the focus of our UK strategy today.

We work closely with a number of recognised organisations and third party suppliers to broaden our knowledge and provide you and your clients with access to the best services and industry experts.

Our aim is to provide support to you and your construction clients by sharing valuable expertise and insight to achieve and maintain a successful partnership.

¡ Winner of ‘Brokers Insurer of the Year’ 2017 at the UK Broker Awards.

¡ Construction specific underwriting expertise and knowledge.

¡ A desire to trade, with increased local empowerment to write, trade and provide tailored customer service.

¡ Valuable broker support and tailored Construction training available.

¡ Award-winning Claims service delivering award-winning initiatives.

¡ AXA was one of the first insurers to achieve Chartered Insurer status from the Chartered Insurance Institute (CII) in 2011.

Why should you place mid-market Construction business with AXA?

¡ We’ve created an application called the rradarreport specifically to report construction incidents with rradar.

AXA, ranked the No.1 global insurance brand

by Interbrand from 2009 to 2018

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AXA Vantage / Your guide to mid-market Construction

We’re very keen to write more of these trades

Building contractors

Building developers and renovators

Ceiling and partition erectors

Fascia and guttering installation

Electrical contractors

Fencing contractors

Floor and wall covering contractors

Glazing and double glazing installers

Insulation contractors – acoustic and thermal (excluding cavity)

Joiners and carpentry

Landscape contractors

Painters and decorators

Plant Hirers

Plastering contractors

Plumbing contractors

Heating, ventilation and air-conditioning (HVAC) contractors

Shopfitters

Our core mid-market construction product, Contractors Combined, accommodates larger construction risks.

Construction: What trades are we keen to write?

When assessing risk attractiveness and risk selection, in addition to looking at your clients’ construction project, we’ll also consider other factors such as claims experience, construction details and geographical location. To help you write more mid-market business, we’ve changed our underwriting structure to be more aligned to specific trade segments. As part of this, we have dedicated cross class Construction specialists sitting within our Casualty team.

We’re interested but need more underwriting information from you

Bricklaying, stone masonry

Civil Engineers

Cladding – glass curtain wall and stone

Concrete drilling and cutting

Damp treatment and waterproofing

Groundworkers – site preparation, levelling and drainage

Industrial boilers and furnaces

Lift and escalator installation

Painting of civil engineering structures

Road construction and re-surfacing

Solar panel installation

Steel erection

Stone renovation and cleaning

Test drilling and core sampling

Thermal spray or foam insulation

We would decline these trades

Abseiling, mast and chimney access/erection

Asbestos strippers

Basement construction and underpinning

Cavity wall insulation

Crane hire

Demolition and site clearance contractors

Piling and foundation contractors

Roofing contractors

Scaffold erectors

Sprinkler installers

Steel fixers and Form workers

For more information on our appetite for every AXA Vantage sector - please download our appetite guide

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AXA Vantage / Your guide to mid-market Construction

Our enhanced mid-marketConstruction proposition

Our priority is to understand your needs and the needs of your clients. We recognise that each Construction client is different and so we tailor our approach accordingly.That’s why we’ve shaped our mid-market Construction proposition to use our expertise to provide flexible solutions. This means that you’ll get the right cover at a competitive price all serviced to a high standard.

Underwriting Approach

¡ Ability to customise our offering to incorporate rate stability agreements, profit share and risk management funds.

¡ Significant capacity available to accommodate 100% placements (no need for coinsurance support but we can write on this basis if required).

¡ Clear and stable underwriting philosophy which has been developed by Underwriters and Business Resilience Managers.

Policy Wording

¡ Clear and jargon-free policy wording, designed to transfer balance sheet exposure from Construction clients to AXA.

¡ We have the ability to apply flexible limits to many extensions of cover ¡ You can choose between specified perils and all risks and have the ability to select the sections you require

¡ Flexible excesses and deductible limits. ¡ Flexibility to adapt to changing market needs (e.g. legislation and emerging risks).

Providing the right type of cover for you and your clients

Contractors Combined

¡ With bespoke terms and no limit on turnover or number of employees, our Contractors Combined product is tailored to satisfy the needs of your mid-market clients. We also cater for tradesmen and smaller contractors by offering the following products:

Tradesmen and Professionals

¡ Our eTraded product is designed for businesses with a turnover under £500k and employing up to 8 people. To give you the flexibility you need, you can amend your commission rates between 0% and 35% to help you compete on price.

Contractors Choice

¡ Contractors Choice is suitable for SME businesses with a turnover of up to £1.5m.

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AXA Vantage / Your guide to mid-market Construction

Our mid-market Construction proposition– product overview

Our Business Combined product is designed with your mid-market clients in mind.The information below is not comprehensive but provides a flavour of some of the covers, limits and options available as part of our offer for your mid-market clients.

Employers’ Liability up to £25m

Public Liability up to £10m primary layer

Additional capacity for Excess Layer Available

All risks including transit rolling on/off cover and off-site storage

Own Plant

Hired in plant including negligent breakdown and continuing charges

Loss of plant keys

Contractors All Risks cover

Contractual cover (implied terms of contract) included

Financial Loss Liability cover

DE4 Design clause

Additional costs of completion

Preventative expenditure

Existing structures

Non-invalidation/vitiation clauses

Advance profits

Speculative BI - cover up to 180 days

Additional options for Contractors All Risk section

Liability Limits

Non accidental wording

Broadly defined loss triggers for injury, damage, nuisance etc

Environmental clean-up costs included

Legionella included

Efficacy included as standard

Work in EU up to 180 days each period of insurance

JCT 6.5.1. Temporary cover up to 21 days including piling, demolition and underpinning

Public Liability cover

Completed part (part product) cover available

Sub-contractor conditions and hot work conditions can be tailored

Deeper excavations considered

Hazardous location work

Asbestos buy back

Additional options for Public Liability section

Wide definition of employed persons

Overseas resident employee cover (UK legal actions)

Employers’ Liability cover

Hazardous location work

No work at height restriction

No deep excavation work restriction

Additional options for Employers’ Liability section

Capacity of up to £25m is available for most risks

Contractors all Risks

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AXA Vantage / Your guide to mid-market Construction

Our mid-market Construction proposition – Management Liability

As a true Management Liability specialist, our cover offers your clients comprehensive coverage significantly beyond the market standard and exclusive access to expertise to prevent and/or mitigate claims.Our comprehensive Management Liability Policy (MLP) provides any one claim sections for D&O, EPL and CLL and includes cover for:

¡ All regulatory investigations and prosecutions ¡ Fees for intervention (FFI) charges ¡ Employment claims (unfair dismissal, harassment, discrimination etc.) ¡ Defence and pursuit of contract disputes ¡ Pollution defence costs and clean up costs ¡ Employee dishonesty claims ¡ Pension claims

We’ve recently strengthened our MLP, so we’re offering you our best cover yet:

¡ New: Brexit cover ¡ New: Tax investigation cover ¡ New: Third party and telephone fraud cover

And now whether you trade online through our Connect Extranet, Acturis or Applied or through your local branch, you’ll get the same first class cover.

For further information on our Management Liability product, visit axaconnect.co.uk/mlp or contact your AXA representative.

We have teamed up with law firm rradar to offer expert legal, regulatory and risk management advice for MLP clients at no additional cost.rradarrradar is a specialist commercial and litigation law firm that combines legal expertise and digital tools to proactively manage, advise and deliver business solutions to reduce business risk.

¡ UK wide coverage ¡ Full legal privilege ¡ Qualified solicitors and specialist practitioners

¡ All investigations, prosecutions and defence coverage

¡ 24/7 crisis service ¡ rradarstation: phone and email advisory service and 24/7 web portal

rradargraceFor legal questions ‘on the go’ or in the office, rradar’s voice activated legal support app rradargrace links to rradarstation and can answer an ever-expanding range of legal FAQs at the click of a button.

rradarstationMany regulations affect your business. rradarstation is a proactive web portal, phone and email service providing legal advice and access to over 1000 guidance pages, downloadable templates, videos and check lists covering but not limited to:

¡ Human resources and employment ¡ Health, safety and environment

¡ Risk management ¡ Company, business and commercial

rradarreportThe rradarreport app enables businesses and their employees to record near misses, incidents and accidents in real time, wherever they are working. Real time data collection can make a huge difference to risk recording, management and evidential procedures under claims, potentially minimising claim damage.

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AXA Vantage / Your guide to mid-market Construction

AXA’s Risk Management service provides support and advice at every stage of a building’s life cycle. We can support your clients at the conception stage of a construction project and throughout its occupation.

We know that Risk Management plays a key role in the service you offer your clients. We help you manage your own risks by minimising your clients’ exposure to the risks they face working in the construction sector.

Unlike other insurers we don’t outsource our Risk Management service.

We have approximately 50 Risk Control Surveyors located throughout the UK and we carry out all risk survey site inspections ourselves.

We have the expertise to provide advice on minimising fire, liability and security risks at the construction site.

Our in-house Business Resilience team is highly experienced in all aspects of Construction Risk Management.

How can our market-leading Risk Management proposition enhance the service you offer?

Construction sector facts and figuresWhat we can do for youWe know that Risk Management is vital in the Construction industry. That’s why we’ve developed a web based application with rradar to support rradarreport. The application is used to report incidents - so that no key information is forgotten which could prove costly in the future.

This system allows business to:

¡ Record accidents & near misses ¡ Record property damage & injury details ¡ Take witness details & accounts ¡ Analyse accident data ¡ Compare accident data over time periods and locations ¡ Provide management information regarding risk ¡ Highlight training requirements

Speak to your usual AXA contact for access to this new tool.

2million

2m - The number of working days lost to work related illness each year in the construction sector.

51,000 - The number of work related cases of muscularskeletal disorders within construction per annum. Around 2.3% of workers.

38 - The number of fatally injured construction workers in 2017/18.

30% - The most commonly reported non-fatal workplace accidents in 2017/18 were slips, trips and falls.

Source: Health and Safety Executive

To find out more about our full Risk Management proposition download our new guide

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AXA Vantage / Your guide to mid-market Construction

Risk Management in action

A large groundwork contracting client contacted our underwriters to discuss issues relating to the high frequency of Underground Services Damage claims (USD) they had been experiencing. The client wanted our help to see what we could do to help lower the amount of claims they were receiving.

We were able to help in a number of ways:

¡ Our Business Resilience team carried out an in-depth claims review and analysis of the nature and number of USD claims and identified the root cause.

¡ Our Underwriters were able to agree a pro-active business resilience management program including meeting with major clients of the contractor. This allowed us to get a better understanding of the site controls around excavation of buried services and to devise improved working practices guidelines for both parties.

¡ We also provided technical support at quarterly management meetings which focussed on education and awareness with an emphasis on behavioural change.

Through this approach, the AXA Business Resilience team was successful in reducing the frequency and impact of USD claims for the client.

Case Study 1

Reducing the frequency and impact of Underground Service Damage claims

Our client contacted their local branch underwriters to check if their current Contractors All Risks policy provided cover for working in a high hazard location.

The AXA Business Resilience team visited the site and talked with the site owner to fully understand the scope of work activities to see if the current policy was suitable. We also got a view of the site controls already in place on the site.

This consultation allowed us to:

¡ understand the project scope and liabilities of both parties ¡ review the contractual terms and conditions with our underwriters.

We successfully re-negotiated the standard terms and conditions with the site operator so that they were able to accept reduced limits of indemnity for the lower risk activities being undertaken by the client. They now had the correct cover in place for the range of work activities taking place at the site.

Case Study 2

Contractors All Risks Project Specific Review

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AXA Vantage / Your guide to mid-market Construction

Our award-winning Claims serviceOur dedicated Claims Relationship Management team truly understand your clients’ needs in the event of a claim. This is the service you can expect from AXA if one of your Construction clients needs to make a claim:

Claims Excellence and Transparency

¡ Feefo – Live feedback from our customers sharing their claims experience publically online. Complete transparency around our service.

¡ Faster Payments – Transfer of cash payments up to £250k will hit your customers accounts in minutes.

¡ eWitness – Market-leading innovation through bespoke online video interactions.

¡ Grace – An on demand dynamic app that provides quick and convenient access to information for employment, HR and health and safety enquiries. Using machine learning technology, Grace can deliver legal support, tools and templates via smart devices on the go.

¡ eServe – Online Claims tracking tool, allowing the broker and/or client access to claims information at any time and on the go via smartphone or tablet.

¡ Claims Relationship Manager – A dedicated Claims Relationship Manager to work alongside the broker and/or client.

¡ Claims Review Meetings – Tailored large case quarterly or mid term claims review meetings discussing claims trends and service performance.

¡ Panel Expertise – Access to trusted external partnerships including solicitors, loss adjusters, rehabilitation experts and mediation specialists.

¡ Technical Excellence – Claims development framework establishing claims handling excellence through our people.

¡ University Accredited Fraud Specialist – Qualified handlers across all classes of business approved by the Counter Fraud Professional Accreditation Board.

¡ CII Qualifications – Majority of Claims staff hold a CII qualification. AXA is a Chartered insurer, dedicated to promoting high standards of professionalism in the industry.

¡ Aligned Handling Expertise – Dedicated Claims teams in Motor Trade, Real Estate, Personal Injury, Farming, European Specialisms and Large Loss unit (Claims >£300k).

¡ Claims MI – The client will be supplied with bespoke MI, enabling us to analyse claims performance and trends on large cases.

¡ Training and Risk Development – AXA Risk Management, Panel Solicitor and Loss Adjuster training and risk support for clients.

¡ Risk Prevention Strategy – Risk Management and Claims partnerships.

¡ External Bodies/Forums – We work closely with several external bodies such as IFB, IFED and ABI to share and collaborate on claims intelligence.

Innovation Relationships People Payer to Partner

98,251claims viewed on eServe

by brokers and customers

All statistics are for January to June 2018For more information on our AXA Vantage Claims specific proposition - please download our guide

32,352customers have registered

to use eServe

40%of all brokers have

registered to use eServe

17%of property claims were settled as a One & Done

71 .5%of claims were retained

in the MOJ portal

AXA Vantage / Your guide to mid-market Construction

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Claims Excellence and Transparency

Claims support for Mid-Market clients

We’ve been in partnership with a large construction company for the last eight years. During this time we have built an excellent working relationship thanks to our claims and risk management expertise. The client has 850 employees and operates in a range of sectors from housing and education to healthcare and hotel and leisure, bringing a wide range of potential claims and incident experiences.

Over the last eight years, our construction claims handling expertise and specific strategies have seen significant success around repudiating and redirecting claims to the appropriate party, early and successfully in the claims process. Our Claims and Business Resilience teams have played a key role in achieving a 40% reduction in the client’s formal claim and incident frequency over the last eight years.

We currently have a public liability repudiation rate of 68% and an employer’s liability repudiation rate of 58% over the eight years of the policy with AXA.

This demonstrates our claims handling expertise in the construction sector and is also evidence of our robust claims handling strategies.

Finally, our fraud strategy of progressing unwitnessed and unreported slips and trips has generated significant fraud savings for the client and AXA on claims of this nature. It has also created a culture whereby neither the client nor AXA are viewed as weak when it comes to repudiating and fighting fraudulent claims. Thanks to this strategy, we’ve achieved over £100,000 of fraud savings on this account over the last eight years.

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AXA Vantage / Your guide to mid-market Construction

Business Interruption Calculator ¡ Designed to simplify a BI sum insured/limit of indemnity periods. ¡ Can be used by the broker employee or the client/accountant.

Broker value added services – support for the right riskExtensive support will be made available to all brokers to secure the right Construction mid-market case:

AXA risk control/broker pre-quote on-site customer review

¡ Proven to increase conversion through better pricing ¡ Excellent client feedback on adding value to their existing risk management programme

¡ No surprises as we identify any risk prior to cover.

Client value added services – support for the right risk ¡ AXA Fire & Security Service - First Response Group a wide variety of solutions against fire and security risks. Dedicated pricing for AXA customers for permanent and temporary protection within occupied and unoccupied premises or a construction site environment.

¡ AXA Water Management Service - Leaksafe Solutions keeps premiums down by reducing claims frequency and severity from escape of water incidents. A broad service to detect and shutdown water in the event of water leakage.

¡ AXA Electrical Safety Service - Centrica Business Solutions offer electrical inspection and test for legal compliance, protecting employees and property. The service can include free of charge thermographic assessment for larger and more complex locations which further enhances safety, provides early warning of electrical issues and system efficiency. .

¡ Riskhelp – designed to assist UK businesses to gain a better understanding of their legal responsibilities, common business hazards as well standard market business insurance policy wordings.

¡ AXA Manual Handling Service - Pristine Condition International is a leading global provider of manual handling training services. They offer a unique approach so things like zero handling incidents are no longer an aspiration but an everyday reality for many of their clients.

¡ AXA Slip Safety Service - Slip Safety Services (SSS) is a leading provider of end-to-end floorcare services and maintenance which improve floor safety and standards, that ultimately reduce the risk of slip accidents. SSS is an expert in their field, backed by scientific testing and provide specialist services to reduce the risks of slip accidents.

¡ VUE - New in vehicle technology developed with VUE to minimise the number of claims from forklift trucks.

We’ve introduced a host of additional services for brokers who are actively committed to working with us to grow our mid-market Construction book of business. It’s not just brokers who benefit; clients will also have access to a range of valuable services.

Value Added Services

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AXA Vantage / Your guide to mid-market Construction

Value Added Services

Download the app today via the App Store. Search “AXA Commercial”

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.

App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Grow your people(CII accredited structured learning)

Supporting mid-market brokers will have access to a range of additional benefits designed to develop your people:

¡ Mid-market construction specific technical, risk management and claims training plus regular market briefings

¡ Local team skills training on topics such as price negotiation, customer segmentation and contact planning

¡ Access to leadership training events such as our popular leadership seminars in Bordeaux, Paris and the UK

¡ Funding support for CII Regional Broker Academy workshops (with top up funding if also Chartered)

¡ Invitations to mid-market specific broker events and seminars with access to the Senior AXA Leadership team.

Grow your business(Delivered by Ignition NBS Ltd.)

Supporting mid-market brokers will have access to a range of additional benefits designed to develop your business:

¡ Subsidised access to new AXA digital tools such as the awardwinning endcustomer.co.uk, which provides brokers with real time desktop access to a range of client data sets to help you profile and win customers

¡ Access to data and profiling services to help validate and enrich your local mid-market pipeline and undertake joint prospecting

¡ Marketing consultancy and execution across the complete range of marketing services, including; lead generation, training, web and social media design and build, video production, creative design services such as brand or email campaigns/print solutions and access to the Ignition CRM bulk email campaign tool

¡ AXA Construction specific marketing campaigns.

AXA Commercial appWe’ve developed a new mobile app which offers you personalised news and knowledge at your fingertips. The AXA Commercial app is available to download via the App Store for free.

The AXA Commercial app offers you multiple benefits, including:

¡ Rolling news from a range of UK industry sectors including construction

¡ A ‘My news’ section to personalise your experience and only see the industry news that interests you

¡ The latest insurance trade news ¡ Keep up to date with the latest AXA developments ¡ Refreshed content every 15 minutes, so you’ll never miss the latest stories

¡ Users can share articles by email, Facebook and Twitter ¡ Favourite interesting articles to read at a time that suits you.

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AXA Vantage / Your guide to mid-market Construction

AXA VantageConstruction

AXA Insurance UK plc Registered in England and Wales No 78950. Registered Office: 5 Old Broad Street, London EC2N 1AD. A member of the AXA Group of companies. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the FinancialConduct Authority and the Prudential Regulation Authority. FCA number 202312. Telephone calls may be monitored and recorded.