Our Insurers combine a range of cover options to provide a comprehensive commercial combined insurance policy to a wide variety of trades and occupations. Cover options include but are not limited to the following :
– Material Damage – This section covers damage to the physical or material assets of the business against an insured event. This will include the building, contents and fixtures and fittings etc.
– Public Liability – Public Liability Insurance covers the legal and compensation costs you are required to pay if a member of the public makes a claim against your business where you are deemed negligent i.e. a member of the public is accidentally injured or damage may have been caused to third party property. All of our policies offer at least £1 million Liability cover as standard with the option to increase that figure to £2 million, £5 million or £10 million.
– Products Liability – This is to protect your business from claims for legal and compensation costs resulting from injury to people or damage to their property caused by products you manufacture, sell or repair.
– Employers Liability – It is a legal requirement for you to hold this insurance if you have employees, this includes apprentices and trainees. Employers’ liability covers you in the event of injury, illness or death to your employees arising from their employment. All of our insurers offer a minimum of £10,000,000 Cover.
– Business Interruption – This provides cover for financial losses caused by material damage to the property such as from fire or flood.
– Commercial Legal Protection – Any business could be subject to legal prosecution at any time. Commercial legal protection offers cover against the costs in taking legal action against a third party or defending yourself against legal action in relation to your business. Legal cover protects you against events such as employee disputes, taxation proceeding, criminal prosecution defence and jury service.
– Goods In Transit – This covers items from damage, loss or theft whilst being transported in a vehicle from one place to another for business purposes such as a courier.
– Director & Officers – To provide protection for the Executives / Officers of the Company.
