Select an insurance product from the left to find out more about it.
Property Damage
Covering damage to assets from natural and man made causes for machinery, contents and stock to buildings.
Theft
Covering property taken and the damage to other property damaged during the theft.
Computer
Covering damage to electronic equipment both in and out of the office.
Machinery Breakdown
Covering costs incurred and loss of income following the breakdown of key machinery within a business process.
Contractors ‘All Risks’
Covering the various aspects of a contract ranging from plant and materials to the works themselves.
Hired-in Plant
Covering plant hired by a company including liability for hire charges following damage or loss.
Exhibition
Insuring materials and display equipment taken to exhibitions and whilst in transit.
Goods in Transit
Covering your goods or those of customers when transported by any means on land.
Marine Cargo & Transit
Covering your goods or those of customers when transported by any means anywhere in the world.
Employers Liability
Statutory insurance.
Covering an employer’s legal liability for death, disease or injury to an employee caused at work.
Public Liability
Covering your legal liability for death or injury to a third party or damage to their property.
Products Liability
Covering your legal liability for death or injury to a third party or damage to their property caused by a product that you manufacture, sell or supply.
Directors & Officers
Covering awards made and costs incurred in defending claims against the heads of a business by staff, customers, shareholder or the public alleging management.
Professional Indemnity
Covering negligence in carrying out a professional service that results in a third party suffering a loss.
Pension Trustees Liability
Covering awards made and costs incurred in defending claims against trustees of a pension fund by those alleging management of the arrangement.
Employment Practice
Covering awards made and costs incurred in defending claims against the heads of a business by staff alleging discrimination and other forms of wrongful treatment.
Environmental Impairment
Covering legal liability for polluted land including potential clean up costs or expenses incurred in stopping foreseeable issues.
Hauliers Liability
Covering a carrier’s liability for damage to or loss of goods carried for customers.
Freight Forwarders Liability
Covering the liability of a freight forwarder for damage to or loss of customers goods for which the Freight Forward is arranging transportation.
Warehousekeepers
Covers legal liability for damage to or loss of goods stored on behalf of customers.
Libel & Slander
Aimed at those that print or broadcast, this covers legal liability for allegations of libelous statements or slander as well as funding costs in your defence.
Engineering Inspections
Statutory inspections required on lifting, pressure and electrical plant on a periodic basis.
Employee Benefits
Company policies designed to reward staff/promote loyalty and to aid staff retention by providing benefits to staff such as a company pension, group life or private medical care.
Company pension and Stakeholder
Statutory insurance.
If you have 5 or more staff (including part timers) you are required by law to have a Stakeholder pension in place. The company does not have to contribute. If the company pays 3% or more into a Group personal pension then they will be exempt from Stakeholder rules.
Group Life & Death in Service
Provides cash sum of up to four times salary in event of death of staff member, Cover is 24/7.
Group Private Medical Insurance
Provides staff with a “queue jumping” facility to gain access to medical care without the worry of NHS waiting lists thereby aiding their early return to work.
Group Permanent Health Insurance
Provides the company with “replacement salary” in the event of a staff member being unable to work due to long term sickness or injury. The income is paid until they return to work or to age 65.
Group Critical Illness insurance
Provides staff with a cash lump sum on diagnosis of a specified critical illness.
Personal Accident
Provides a lump sum or weekly to the employee or employer following a physical accident that results in death, dismemberment or renders somebody unable to work.
Travel
Arranged for individuals or on a company wide basis, this covers medical and emergency costs, loss of or damage to baggage, cancellation costs and other risks associated with overseas business or private travel.
Key person
(Keyman) Protects against loss of potential income in event of death of a key member of staff by providing cash lump sum to the company.
Credit
Covering the risk of unpaid invoices by your customers when they become bad or irrecoverable debts.
Cyber risks
Covering the risks, both legal and potential business damage, associated with trading or operating on the internet.
Employee Crime & Theft
Covers the risk of employees taking from the company either directly or through means such as computer theft and funds transfer.
Business Interruption
Covering income shortfalls and emergency costs incurred by a business following a property disaster.
Loss of Profits
A form of Business Interruption cover. Insures the shortfall in profits caused by a property disaster.
Loss of Revenue
A form of Business Interruption cover. Insures the shortfall in revenue caused by a property disaster for companies that provide a service rather than a product.
Increased Costs of Working
A form of Business Interruption cover. This covers costs that are incurred in keeping a business running following a property disaster.
Additional Increased Costs of Working
A form of Business Interruption cover. Covering excessive costs that help a company to keep its market share following a property disaster.
Legal Expenses
Covers potential legal costs incurred in defending or pursuing claims relating to employment, property, tax and trading license disputes as well as providing legal helplines.
Performance Bonds
Provides confirmation of funds available for non-performance of a contract according to agreed standards and timelines.
Your Vehicles
Provides cover for loss of or damage to your vehicle(s) caused by an accident, fire or theft. Normally purchased as part of a policy that cover legally required Third Party cover, policies can be for single vehicles to multi vehicle fleets.
Motor Third Party
Statutory insurance.
Covering legal liability for use of a vehicle on the public road and injury or damage caused whilst driving. Policies can be arranged for single vehicles or multi vehicle fleets.
Uninsured Loss Recoveries
Following a vehicle accident caused by a third party, this cover provides cover for the legal costs that can be incurred in pursuing third parties for your uninsured costs such as your policy excess, injury compensation or any financial impact such as loss of use of your vehicle for business.
GAP Insurance
Can provide cover for the difference in value between an insurer's payment for a lost or written-off vehicle and the higher amount owed by you to a company under a lease or hire-purchase agreement.
Motor Trade
Covering companies involved in the motor trade, repair and retail sectors, this policy covers vehicles whether as stock, demonstration or courtesy cars and trade plates as well as those vehicles used as part of the business. The cover usually comes as within a package that includes Property, Business Interruption and and Liability insurances.
Contact our New Business department for more information