COMMERCIAL BUSINESS insurance.
- Essential cover for today’s businesses
- Tailored to your industry
- Public and product liability cover
- Professional indemnity
- Employer’s Liability
Never leave your business exposed. Protect against potential losses through unforeseen circumstances like theft, liability, and property damage, or in the event of an interruption of business which can include:
- Injured employees.
- Material Damage
- Business Interruption
- Public Liability
- Employer Liability
- Employee Dishonesty
- Directors and Officers
- Professional Indemnity
- Management Liability
- Commercial Motor Insurance
- Corporate Travel
- Contract Works
Types of cover
Material Damage / Business Assets
The cornerstone policy for any business with Buildings, Equipment, Stock, Fit Outs, Machinery, Electronic devices and…
The cornerstone policy for any business with Buildings, Equipment, Stock, Fit Outs, Machinery, Electronic devices and Plant.
Premiums are based on a variety of factors like occupation, type of property, Security and Fire protection measures, previous claims and Risk Management safeguards in place.
Full cover includes accidental damage, and also can protect:
– Money
– Transit of Goods
– Natural Disaster
– Terrorism
Commercial Vehicles
A commercial vehicle insurance policy allows for the widest use for your cars and trucks – from travelling to see…
A commercial vehicle insurance policy can allow for the widest use for your cars and trucks – from travelling to see clients, heading for site visits, or making deliveries.
No matter if you use a fleet of cars, small vans or a serious fleet of HGVs thundering across the UK for your business you will need a policy that gives you the greatest coverage at the best price.
We can offer Insurance cover on your vehicles and also often can add:
– Legal cover
– Temporary Replacement Vehicles
– Family Cars
Business Interruption
If the unthinkable happens and an incident occurs that causes a loss of use for a business vital piece of…
If the unthinkable happens and an incident occurs that causes a loss of use for a business vital piece of machinery or an event beyond your control has rendered the day to day work you are involved in to be unsafe you may have to raise a claim for material damage or machinery breakdown.
It can cover against:
– Loss of Profit
– Loss of Rental Income
– Wages and Salaries when you can’t pay them
– Increased Costs of Working
– Claim Preparation
Most claims can be resolved quickly and easily, and alternative methods may be found that enable you to continue doing business, However, if the claim is more serious – loss of premises for example, or replacement machinery has to come from overseas – or something calamitous has happened like a fire – BI cover (sometimes called Loss Of Profits) steps in and can pay the bills and the salaries and helps cover the costs your business needs to continue operating.
Business Interruption cover is part of a business’ Risk Management strategy and a critical tool for ensuring that a company can survive after an unexpected loss. The shortest term it covers is generally 12 months, though experience shows that a particularly severe and large event – such as an fire – can mean a much longer interruption to trade, and therefore a longer cover period is recommended for many types of business operations.
Liability Insurance
Also called General Liability, this is the most common of Liability covers – protecting you against the cost of accidents or damage to people or property that you may be liable for. If a product you sell – whether you’ve made it yourself or are buying and selling on – causes unexpected damage, you could still be liable.
Public and Product liability covers your business against payments and legal costs should your clients, contractors, and the public suffer injury or damage to themselves or their property caused as a result of your or your employee’s actions or inactions. Tradespeople particularly can benefit from this cover as it can include:
- Cover Against Faulty Workmanship
- Cover for the product being worked on
- Underground Services cover
