Our products for business
For your interest, here is a brief introduction to our main business insurance products. If you would like more information about any of them, please ask. And, of course, you will get details of the cover with all terms and conditions when we arrange your insurance.
Property Insurance
For loss or damage to your buildings, tenants’ improvements, plant, machinery, trade fixtures and fittings, stock, portable hand tools, electronic business machines, computers and software, you choose the cover from fire and specified perils (including theft, storm, flood and burst pipes) or, in addition, accidental damage.
Business Interruption
Should you have to make a property insurance claim, the chances are that your cost of working will increase and your turnover decrease. Business interruption insurance provides financial cover for this.
Employer’s Liability
All employers are required to have this insurance by law. It protects your legal liability to pay damages and claimant’s costs for bodily injury or disease arising in connection with a person’s employment.
Public Liability
This cover protects your legal liability for bodily injury to people other than employees, and loss or damage to other people’s property.
Products Liability
Protection against your legal liability for bodily injury and loss or damage to property arising from the goods you manufacture, supply or repair.
Professional Indemnity
If you give advice in return for a fee or provide a service that could lead to financial loss, this cover protects your legal liability to pay compensation.
Directors’ and Officers’ Liability
This product covers your legal liability to pay damages awarded against you personally as a director of a limited company.
Vehicle Insurance
Insurance is a legal requirement for all businesses operating company vehicles. Your choice of cover ranges from comprehensive to third party injury and damage only.
Goods in Transit
‘All risks’ cover can be provided for your own property lost or damaged in transit. Cover can be arranged for goods being carried by others via post, rail or road.
Marine Cargo
If you are involved in importing or exporting, marine insurance can cover the goods in transit against ‘all risks’ or selected perils.
Money
This covers the loss of business cash through theft or accidental damage, including dishonesty of employees discovered within 14 days.
Frozen food
Cover for deterioration of frozen food resulting from failure of public electrical supply, escape of refrigerant or rise/fall in temperature.
Computer insurance
‘All Risks’ and residual breakdown cover is available for computer equipment, programs and records.
Engineering
We can arrange breakdown, accidental damage and inspection cover for a variety of machinery and plant.
Travel
This cover can provide protection for business travel including medical expenses, legal liabilities and loss of property.
Legal Expenses
This product provides financial cover for the costs of taking legal action or defending your business from claims made against it.
Stress Helpline
A personal counselling service, helping you to reduce the impact of stress on individual employees and your business.
