Home Commercial Insurances
Property risks
Most businesses have a need to protect their capital assets against loss or damage. Our standard cover is All Risks and based on New For Old settlement values so you can be sure that you will be fairly treated if you have to make a claim.
Our commercial facilities give us markets for industrial premises, manufacturing and warehouse risks, commercial homes, shops, offices, pubs, hotels and guesthouses.
Business Interruption
If your trading becomes adversely affected due to a loss covered by Property insurance, we can protect against resultant loss in profit, loss of revenue or loss of income, for up to 36 months from the date of the incident.
FACT - 67% of businesses that suffer a major loss will fail within 2 years – help make sure your business is a survivor by incorporating this cover into your insurance programme.
We can also help you to produce a Disaster Recovery plan, essential if you are concerned with the effects of a serious incident upon your profitability and survivability.
Engineering
For specialised machinery, plant and equipment including computers and peripherals, we have direct access to a number of major engineering centres to enable us to offer the best All Risks, Breakdown and Inspection covers available in the market place at the keenest rates.
Liabilities
Whatever your business we can usually find a scheme to suit your requirements at a competitive premium. Whether you are manufacturers, suppliers, installers, professionals, charity organisation, or are involved in any other services or processes we can source the right policy for you.
Your potential liability to claims from employees, customers, or the general public are all assessed before we make our recommendations.
As the insurance requirements of most businesses need regular review, we will keep in contact at least once a year to ensure that your needs are constantly reflected in the cover provided and amended where necessary.
Other Standard Risks
Money Insurance
Either as part of a package or written specifically to suit your needs, we can insure your money against theft whilst at your premises or in transit. Policies normally extend to include compensation in case an employee is injured in the course of a theft.
Goods in Transit
Many businesses need cover for products in transit to customers and other sites either in their own vehicles or whilst being carried by hauliers or couriers and need cover in case of accidental damage or theft.
Glass
Particularly in the retail and office sector, cover against damage to plate glass is essential as a single pane broken can run to over £1000 to repair. This is normally covered as a standard section in shop, office, pub and hotel packages.
Business Personal Accident
Available for directors (or partners) and your valued staff, designed to give compensation to your firm when the person insured is away from work following an accident.
Marine Insurance
You may have exports or imports to or from your business that require the special covers available under Marine Insurance policies. Drawing from our experience in this field we can advise upon and tailor a policy to suit your exact needs to ensure that you are fully protected in case of loss or damage to a consignment.
Business Travel
To give valuable cover for any employee making business trips abroad, normally on a blanket basis.
Vehicle, Fleet and Motor Trade
We have facilities to place all commercial vehicles from a delivery van to a 44 ton articulated unit, business cars, special types and farm machinery, on individual policies or as part of a combined fleet contract.
Specialist Motor Trade combined policy cover is available from a panel of 7 insurers for businesses working from premises, from the smallest sales operation, MOT and repair centres through to main dealers.