Commercial Insurance

Types of Commercial Insurance

We cover a range of commercial insurance. Please read below to find out more.

Employer’s Liability

Employers’ Liability (EL) indemnifies policyholders for their liabilities towards their employees in respect of bodily injury caused to them because of negligence or breach of a statutory duty.

The definition of bodily injury includes some psychological injury. In the UK, Employers Liability is a compulsory class of business and the extent of cover provided is governed by the Employers’ Liability (Compulsory Insurance) Act 1969, the Employers’ Liability (Compulsory Insurance) Regulations 1998 and subsequent amendments to such Regulations.

Public Liability

Public liability is a business insurance policy offering companies of any sectors and sizes cover against injury or damages claims. Such claims can arise if your customers or members of the public come to your premises to do business with you. If they should suffer personal injuries or damages to their property whilst on your premises, you might well find yourself faced with a claim against you. When referring to your premises, this also includes self-employed people who work from home. If you fall in to this category, your home constitutes your workplace in the same way as an external office would. Public liability cover also covers reverse situations, when you are working at the premises or sites of your customers. If your lack of due diligence causes injury to any of their personnel or customers, or damage to their property, they are likewise entitled to bring a claim against you.

Fleet Insurance

We are always willing to look at risks and will try to find an innovative solution to meet a client’s needs. From single vehicles to large fleets, we have no minimum or maximum requirements and our coverage can be UK based or pan European.

We can offer cover for Coach, Bus and Minibus, Commercial, Car Fleet
Property Owners Insurance

Property Damage

Cover includes:
• Landlords contents/communal parts, Capital additions, Day one uplift
• Failure of tenants insurances, Inadvertent failure to insure, Non-invalidation, Property Owners Liability

Optional covers: Loss of rent, Subsidence, Terrorism

Directors and Office Cover

Directors and Officers Liability Insurance cover protects companies’ directors, officers and senior managers against claims arising from their decisions and actions taken whilst managing their business.
Professional Indemnity

A typical PI policy will provide indemnity to you against “loss arising from any claim or claims for breach of duty which may be made and reported to the insurers during the policy period because of any neglect, error or omissions committed in the conduct of your professional business”

Motor Trade

Motor Trade insurance policies provide cover for a wide range of motor trade activities; including vehicle sales (new or used), mechanical repairs, servicing, body repairs and paint spraying. Optionally available is Engineering inspection, charged at a flat rate per premises.

Standard Covers

· Property damage
· Equipment breakdown
· Goods in transit
· Legal liabilities – Employers liability, public liability and defective workmanship/sales indemnity
· Legal expenses
· Road risks

Optional Covers

· Business interruption
· Money, personal accident assault and wrongful conversion
· Loss of MOT licence
· Terrorism
· Engineering inspection

Licenced Premises

Standard Covers

· Contents (All Risks including Theft)
· Equipment breakdown
· Glass
· Goods in transit
· Specified equipment away from the premises
· Loss of money
· Personal accident assault
· Legal liabilities – Employers, public and products liability
· Loss of income
· Legal expenses

Optional Covers

· Buildings (All Risks)
· Terrorism
· Loss of license

Contractors Combined

Contractors Combined insurance policies cover a variety of general contractors, from bricklayers to plasterers, and plumbers to shop fitters. Our acceptance criteria are driven by height, heat and trade.

Standard Covers

· Contractors all risks
· Public Liability

Optional Covers

· Legal expenses – Essential or Absolute
· Employers Liability

Office Insurance

Office insurance policies are designed for businesses and professions that are run from office or surgery premises. It does not include the ‘professional’ nature of their business which requires specialist professional liability cover.

Standard Covers

· Contents; all risks including theft
· Equipment breakdown
· Loss of money; with personal accident and assault
· Employers liability
· Public and products liability
· Legal expenses
· Loss of income

Optional Covers

· Buildings
· Terrorism