Business Protection
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Cover against loss by death or prolonged sickness of a critical member of staff or the Board. This policy would allow the business to buy back shares from the next of kin of a deceased shareholder to protect the business and to compensate the next of kin for the loss of their income earner. Key Man Cover is also a form of business protection.
Commercial Equipment
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Cover against loss of tools, catering equipment, etc. In some cases, this can be 'bolted on' to a liability insurance product and thus save money. The cover can also be arranged 'standalone'.
Commercial Landlord
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Cover against claims brought against you due to negligence causing injury or damage to a person or business renting from you, their visitor(s) or property. This is a form of public liability insurance. Cover can also be provided for damage to the building, loss of rent, etc..
Commercial Vehicles
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Cover against damages to your commercial vehicles or to third parties by your vehicles.
Directors and Officers
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Cover against claims brought against you or your company for negligence or breaches of employment law, etc. Defending against such claims can be extremely expensive and, even if you are succesful, the cost may permanently damage the business.
Employers Liability
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Cover against claims brought against you, your company or the insured tradesman due to negligence or poor management causing injury or damage to an employee or his/her property. It is a legal requirement to have employer's liability insurance if you have employees.
Event Insurance
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Cover for costs that could be incurred if an event you are organising goes wrong or needs to be cancelled or if someone is injured, etc. The event can be indoors, outdoors, or in a marquee, from fete to festival, party to product launch, a conference or team building day, or simply a meeting or celebration. If you are going to incur costs, you need to know you that you are covered should something go wrong.
Income Protection
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In the event you are unable to work due to prolonged illness, you may not be able to generate an income. This type of policy can ensure you continue to receive an oincome and meet your outgoings while you recover and recuperate.
Key Man Insurance
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In most businesses, especially small ones, the loss of a member of staff (including a Director or Board Member) through illness or death, can jeopardise the ability of that business to survive. This cover can enable you to pay the salary of a temporary replacement while the sick person recovers or to find a permanent replacement, if that is necessary.
Landlord
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Cover against claims brought against you due to negligence causing injury or damage to a person renting from you, their visitor(s) or property. This is a form of public liability insurance.
Office
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Cover against claims brought against you, your company or your business due to negligence causing injury or damage to a person or property. There are two forms of cover that may be required, employer's liability insurance and public liability insurance. It is a legal requirement to have employer's liability insurance if you have employees. Please note that this cover is not available for businesses that operate out of a home office.
Professional Indemnity
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Cover against claims brought against you, your business or company due to negligence or incompetence causing injury, damage or material / financial loss to a person or business. If you are a professional, this is an essential cover. In addition, you may well need employer's liability insurance and public liability insurance. It is a legal requirement to have employer's liability insurance if you have employees.
Tradesman Liability
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Cover against claims brought against the insured tradesman due to negligence causing injury or damage to a person or property. There are two forms of cover that may be required, employer's liability insurance and public liability insurance. It is a legal requirement to have employer's liability insurance if you have employees.
Shop
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Cover against claims brought against you or your retail business due to negligence causing injury or damage to a person or property. There are two forms of cover that may be required, employer's liability insurance and public liability insurance. It is a legal requirement to have employer's liability insurance if you have employees.