Our Services

Commercial

Property insurance – protecting your business assets

Property insurance protects your business property from the risks of fire, break-in and certain weather damage. It protects every type of building – factories, shops, office blocks, residential buildings, unoccupied properties, buildings constructed of non-standard materials and properties at high risk of flooding or subsidence.

Typically, cover will include:

• the loss of, or damage to, the fabric of the building, any communal areas, its fixtures and fittings, glass, cables and underground pipework (including trace and access damage);
• your liabilities in terms of employee or public use of the building, or arising from accidents caused to others during your ownership of the property;
• the loss of rent, or the cost of alternative accommodation, if your property is rendered unfit for occupation;
• any legal expenses incurred;

Public liability insurance – protection against compensation claims

Public liability insurance is recommended for any business whose employees are required to work at a client’s home or business premises, or which welcomes members of the public or customers on to their own premises.

It protects against compensation claims arising from:

• injuries to third parties or damage to their property caused by your negligence, or that of your staff or any sub-contractors employed by you
• Public liability insurance covers the legal fees and associated costs involved in defending a claim plus the award of any damages against you, including any costs the NHS may claim relating to ambulance call-out and hospital treatment.

Employers’ liability insurance

Employers’ liability insurance is a legal requirement for most businesses employing one or more staff, including voluntary organisations. There are exceptions – family businesses where staff are closely related, for example, and the public sector.

It protects against compensation claims arising from:

• injuries or illnesses suffered by employees at work where the cause can be directly attributed to their employer

Employers’ liability insurance meets the unforeseen legal and compensation costs of incidents as trivial as tripping over an unprotected cable, or worse. The minimum level of cover by law is £5 million but can extend up to £10 million.

Professional indemnity insurance – protection for service providers, consultants and professional advisers

Professional indemnity insurance is necessary protection for any business that provides services, or professional advice, to clients, such as architects, accountants, solicitors and consultants.

It protects against compensation claims arising from:

• the dishonesty of your employees, partners or directors
• negligence (or breaches of duty of care)
• the unintentional infringement of intellectual property rights
• the loss of documents or data

Professional indemnity insurance covers the costs of defending these claims so you won’t be liable for any legal fees or, should you lose the case, the cost of putting things right or paying financial compensation.

Contractors all risks

Office insurance – all-in-one cover for assets and liability

Office insurance combines cost effective protection for the physical assets of your business with essential liability cover in a single policy.

It can be written to accommodate the specific insurance you need – from office contents and computer equipment cover to public, employers’ and product liability. Business interruption – insuring against the impact of fire, flood or similar disaster on your ability to run your business – is another common inclusion.

Motor

Private Cars

All makes and models car insurance. Tailor-made to suit your car insurance needs.

Commercial vehicles

This type of insurance is a necessity for all drivers of commercial vehicles such as vans, trucks, minibuses, coaches, heavy goods vehicles etc.

Fleet insurance – comprehensive cover for your company vehicles

Motor fleet insurance is essential for businesses that run at least two company vehicles which may be cars, vans or lorries. Affordable cover can be tailored exactly to the size of fleet, and to any mix of vehicles or usage. It provides:

• comprehensive cover against damage, fire, theft and third party claims
• ‘any driver’ cover on most vehicles
• 24-hour claim and accident helpline
• courtesy cars when yours are off the road due to accident (provided an approved repairer is used)
• European cover if required

Household

This type of insurance refers specifically to protecting aspects of the property. House insurance covers the fabric of the building (buildings insurance) and the occupiers contents (contents insurance).

Healthcare

Health insurance is insurance against the risk of incurring medical expenses among individuals