Whether you are a Sole trader or employers of 100 we have the insurance products to suit your needs. Many of our long established clients started off in a small way and we provided the covers they required from the first time they opened their doors for business. As your business grows your insurance needs change and we ensure that we will continually review your requirements to make sure you have the protection you need.
Our account managers will gain an in-depth knowledge of your business, this coupled with their awareness of changes in the market will ensure they are providing you with the insurance products most suitable to you and your ever changing business.
When recommending an insurer, we first ensure that the cover offered is as wide as possible whilst keeping the premium to an acceptable level. More importantly, we have to satisfy ourselves that any claim is dealt with in a fair and timely manner. We carefully monitor the claims process and should we feel the need we are happy to intervene.
Full details of all of our insurance products can be discussed either in person or over the phone, in the meantime here is a brief description of the types of protection we can offer.
Commercial Combined Insurance
Our Commercial Combined insurances policies can be completely tailor made to suit your requirements, offering you exactly what you need to ensure your business has the best level of protection.
Within the Commercial Combined policy, you can include Buildings & Contents cover including protection for your stock. We can also look at providing protection against your Goods in Transit as this is usually excluded or limited by the transport company. Business Interruption will look at reimbursing the loss of income to a business whilst it is unable to trade due to an insured event.
We believe this is a vital section of cover and can be the difference between a small business surviving following a major event as it ensures the cash flow is not interrupted.
Professional Indemnity Insurance
Professional Indemnity Insurance helps protect professional advice and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
The cover focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder.
Professional liability insurance is required by law in some areas for certain kinds of professional practice (especially medical and legal), and is also sometimes required under contract by other businesses that are the beneficiaries of the advice or service.
Professions that commonly purchase professional liability insurance include accounting, engineering and financial services, construction and maintenance (general contractors, plumbers and transport. Some charities and other nonprofits/NGOs are also professional-liability insured.
Management Liability Insurance
Management Liability insurance is a cover that offers financial protection to those who are the director, partner or officer of a company. It is designed to cover the cost of claims for compensation made against the insured individual. Within these roles you will have responsibilities to employees, members of the public, regulators and investors. This means you could be exposed to personal liability for the actions you make in the performance of your company duties. This could lead to the payment of fines, compensation or imprisonment.
Out Management Liability policy can include:
Directors & Officers Liability
Corporate Legal Liability including internet and email and breach costs cover
Employment Practices Liability
Employers Liability Insurance
Employers' liability is a legal requirement if your business employs one or more people.
Employers Liability insurance protects you against the cost of compensation claims arising from employee illness or injury, sustained as a result of their work for you.
Each day without the cover could see your business being fined of up to £2,500 per day.
Public & Product Liability Insurance
Public liability insurance is the most common type of insurance taken out by small businesses, but with a range of cover options available, it's just as well-suited to larger firms.
A public liability policy covers your business if someone is injured in some way by your business, or if you damage third party property when carrying out work. If you do not have a public liability policy you could be required to pay legal fees as well as damages if you accidentally damage someones property whilst working or even worse if someone gets injured. We offer policies with a limit of indemnity to suit you ranging from £1 million to £10 million
Commercial Legal Expenses Insurance
Commercial Legal Protection is designed to help protect your business and employees during everyday legal disputes, providing support, advice and cover against legal costs.
Typical types of cover include:
Contracts disputes over the sale or purchase of goods or services
HMRC tax enquiry
Property Damage, nuisance or trespass
Jury Service & Witness Appeal
You will also be provided to a 24 hour legal and tax advice line as well as access to a counselling helpline for you and your employees.
Personal Accident & Group Business Travel Insurance
Personal Accident and Group Travel provides vital Business Interruption protection as well as meeting legal obligations.
Employers have a legal obligation to formally risk assess their employees work activities. Purchasing a comprehensive Business Travel policy is a great way of showing a commitment to health and safety compliance. Business Travel provides wide ranging travel insurance covering things such as medical expenses, kidnap and ransom. Essentially it will help protect against expenses incurred if something goes wrong on a business trip.
The Personal Accident section of cover offers lump sum benefits for different types of accidents ranging from injury to death. These are paid directly to the insured and may be used against lost revenues, extra staffing costs or offering assistance to an employee or their family.
Wageroll is often our biggest expenditure and employees are our most valuable resource, most businesses insure their physical assets, why would you not want to protect their human resources.
Business Loss Assist Insurance
A large loss such as a fire or flood would be a nightmare for any business. Although we pride ourselves on working with insurers that provide a first class claims service if a disaster causes damage to a large part of the local community then things can become difficult and it is always good to have someone you can turn too for specialist claims support meaning your business can get back up and running as quickly as possible.
Business Loss Assist will provide access to and pay for a fully qualified loss adjuster to deal with your claim from day one, taking the strain away from you and ensuring the best and speediest outcome.
With recent Ransomware attacks hitting more than 200,000 computers & 74% of small businesses suffering a data breach we thought it was vital we let our customers know how we can help protect your business.
These attacks are not limited to large organisations such as the NHS and Talk Talk, many smaller organisations have also been the subject of a cyber-attack such as Publishers, Opticians, Tea Rooms and even Technology firms. Anyone can be the subject of a cyber-attack and everyone who holds personal information, are reliant on computer systems to conduct business, have a website or are subject to a payment card industry agreement is at risk.
We can provide you with protection against the costs and damage you could incur should you be the subject of a Cyber-attack.