A wide variety insurance, specifically for you.
We offer a broad-range of insurance policies from a large market of insurers, to suit all of your risk management needs and make sure that you are protected.
Manufacturing
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Liability insurance protects your business for claims made against you by third parties.
If a member of the public is hurt as you carry out your business activities, or at your premises, Public Liability insurance covers the costs of any compensation.
If a product is faulty and injures, you may be held legally responsible for any damage or injury caused. This is relevant to designers, manufacturers and retailers; whether the item is sold, or even if given away for free.
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If an employee is injured at work, they can sue you for damages or compensation.
This includes physical injury, mental health suffering, or even damage to their property.
Employers Liability cover is a legal requirement for any business with employees, even some sub-contractors or volunteers. Not having suitable cover in place can result in significant fines.
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Protect the tools you use to run your business, whether equipment, computers or stock.
If they are damaged or stolen insurance will provide money to arrange replacement or reinstatement to get you back up and running as soon as possible.
Business Interruption cover protects your lost income or revenue for a period after disruption.
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As we live in an increasingly connected world, materials are imported from, and products can be sold to, countries all over the world.
Marine covers items in transit, whether within one country, or being sent by courier or shipped on lengthy voyages.
It protects against losses for damage to goods or merchandise being transported whether by road, rail, sea or air; or in temporary storage.
Professionals and Services
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If advice, designs or services are provided and your client suffers a financial loss due to negligence, you may be held responsible.
Some regulators and professional bodies require that any members have PI insurance in place.
Cover is usually arranged on a claims made basis, meaning that policies need to remain in force long after the services are provided or advice is given.
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Directors and decision makers have responsibilities in running and operating business.
Management Liability insurance protects Directors and employees for claims made against them for wrongful acts such as errors, neglect, misleading statements or any breach of duty or trust.
Claims can be brought by shareholders, investors, employees, regulators or third parties and can be brought against individuals, or the company as an entity.
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Employees may claim that they were treated unfairly, the subject of abuse, discrimination, harassment or wrongful termination.
EPL covers the legal expenses, settlements and judgements that result from claims and often provide direct legal assistance and helplines.
Contact us to learn more
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Our offices are the beating heart of our businesses. Damage can cause disruption and have a critical impact on your organisation.
Office policies protect the building and contents of your office, from fittings to furniture, computers to files.
The policies also cover Business Interruption and Liabilities and can be extended to provide Legal Expenses, Computer Breakdown and Terrorism cover.
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Whether a small club, volunteer organisation, religious groups, schools or large not-for profits, charities need to insure their assets and liabilities, just like any other business.
A charity policy protects for on and off-site events and fundraising activities, covering not only staff, but volunteers and trustees as well.
Covers can be tailored for the smallest or most diverse of organisations and usually provide additional assistance and support services.
Property and Construction
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Whether a single home, a block of flats or large portfolio, property owners should be protecting their valuable assets.
Property Owners policies protect the structure of the building should they suffer damage. Fire or flood, theft or subsidence, insurance can cover the costs for repairs needed, and even rebuilding the entire property.
Policies also include provisions for lost rent should the property be vacant, liability for your responsibility as landlord and even legal expenses for rent arrears.
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From simple alterations and extensions to properties, to new builds of an entire complex, insurers will protect projects should they suffer from damage in the course of works.
Whether you are project manager, or a contractor, policies provide cover for the areas being worked upon, as well damage to the existing structure, by way of liability covers.
The policy also covers tools and machinery, whether owned or hired, and can cover labour-only and bona-fide sub-contractors.
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Plant can be stolen or damaged, causing disruption to projects and leaving you with significant costs to replace items, whether your own, or hired.
If plant is hired, it is usually a requirement that you have insurance in place.
Cover can be arranged for single or multiple hires, on a one-off or annual basis.
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It may be a legal requirement for engineering inspections to be carried out on equipment. This includes passenger or goods lifts, lifting equipment, pressurised boiler systems and even some electrical systems.
These inspections must carried out by a competent person, but are arranged by insurers.
Cover can also be added for repair costs following breakdown, sudden and unforeseen damage and even explosion.
Motor Fleet
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If your business owns two or more vehicles, you could benefit by insuring them as part of a fleet.
Under one fleet policy, you could cover private cars, vans, trucks or even special type vehicles; arranged on a specified or any driver basis.
The policies provide cover for the business use of vehicles, but also allow for social driving and can protect Director owned cars.
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Like cars, vans can be insured for comprehensive or third party losses and will also cover tools and items kept in the vehicle.
If your vehicle is critical to your business, insurers can provide courtesy vans to keep you working whilst your vehicle is being repaired.
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Vehicles such as fork lift trucks or diggers need specialist insurance to protect them on the road as well as at sites.
The cover protects your legal Road Traffic Act requirements for vehicles driving on public thoroughfare, but also for any damage accidentally caused on work or construction sites.
Cyber
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The data you hold is your responsibility.
If identifying or sensitive information about your clients, suppliers or third parties is misused or hacked, you can be held liable.
GDPR has meant that this is an increasingly legal and complex area and insurance would cover you for investigation costs, as well as notification and rectification as necessary.
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There’s no denying that our business depend on our IT and computer systems. Just as we insure our property and equipment, we need to protect our data.
If you suffer a breach, insurance can help to rebuild and reinstate your data, whilst providing replacement software as well as interruption cover for downtime during an outage.
Most insurers have specialist response teams providing 24/7 IT support and also legal advice following a breach and PR teams to protect your reputation and manage the situation.
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For all the defences our systems have built in, hackers and cyber criminals work to infiltrate and steal our data or money.
Cyber Crime protects you from cyber extortion and ransomware attacks, social engineering or phishing from outside sources. Internally, they also cover unauthorised use of systems and employee error or theft of funds.
No business is immune to these threats and the consequences are increasingly severe.
Home and Personal
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Your home is where you live. Besides being where we spend out best time, it is also the place we keep our personal and valuable possessions. Don’t cut corners and make sure you protect it with a reliable policy.
A home insurance policy protects the buildings and contents inside it, as well as valuables away from home.
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Health insurance gives you fast access private medical specialists and facilities, so that you can avoid lengthy NHS waiting lists.
From treatment, to care and ongoing support. With access to leading hospitals and the best doctors wherever you live, this can provide you and your family the support needed in the event of a wide range of illnesses.
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Life insurance provides financial support to your family, so that if the worst happens, they don’t need to worry about mortage payments, or immediate monetary concerns.
Critical Illness cover means that you can receive lump sum payment following a diagnosis, giving you comfort in knowing that you will have financial stability to cover costs and bills if you are unable to work.
Find out how we can help you
We can advise on any type of cover in just a quick call, or can arrange a meeting to fully assess your needs and provide a quotation.