Commercial Insurance

Our independence, experience and market knowledge means we work closely with our Commercial Insurance clients, to provide Business Insurance Solutions that are well managed, cost effective and tailored to the needs of their business.

It would be very difficult to list everything we can do for you, whether by class of insurance, or by trade and industry, however the short list below gives just a flavour of the wide range of insurances that are common to many businesses and in which we have regular involvement and expertise.

Property Insurance

Insurance cover for individual commercial properties and mixed property portfolios of all sizes. Providing very wide protection for the Property, Loss of Rent and Property Owners Liability, together with many valuable extensions. Cover for Unoccupied Properties is also available.

Commercial Combined Packages

Insurance protection for all types of trade and industry and which delivers a flexible means of combining many different areas of insurance under a single policy, including:  Property Insurance (machinery, plant, contents & stock); Business Interruption; Money; Portable equipment; Employers Liability; Public & Products Liability; Transit; etc.

Employers Liability Insurance

This insurance protects the legal liability of the employer for the death injury or disease sustained by an employee during the course of their employment. It is a legal requirement, barring a few exceptions  to effect Employers Liability Insurance where any persons are employed, even on a temporary basis. 

Public & Products Liability Insurance

This insurance protects the legal liability of the policyholder against claims for third party property damage or death injury or disease sustained by a third party (any party other than an employee) and arising out of the business activity or the products supplied by the policyholder.

Contractors All Risks

A very wide form of insurance for the protection for businesses in all contracting trades. The policy generally provides cover under a number of sections including: Contract Works and materials on site or in transit; Damage to Own Plant; Damage to Hired in Plant; Continuing Hired in Plant Charges; Site Huts; Speculative Buildings etc.

Marine Cargo and Transit

An insurance that can be effected for an individual sending or on an annual basis, that provides cover during the loading, transit and unloading of goods. The insurance cover can be written to mirror your contractual terms of trade whether this be Ex. Works, FOB, C & F, CIF etc.

Professional Indemnity

An insurance to protect the policyholder’s legal liability for claims alleging errors or omissions or breach of professional duty in the services provided.  Although customarily this insurance may apply to solicitors, accountants, surveyors and insurance brokers (!) etc., there are many new ‘service industries’ to which this insurance is relevant, including Management Consultants, Web Design and Hosting, Graphic Designers, Marketing Consultants etc.

Directors & Officers Insurance 

Unlike a limited liability company, the personal liabilities of a director are unlimited and this insurance provides protection for a Director or Officer of a company for claims alleging a breach of duty, or actions brought under statute or for example by the Health & Safety Executive. To download this document please click here

Group Travel & Personal Accident

A Group PA & Travel Insurance can provides a very cost effective means of delivery a wide travel insurance package for directors and employees travelling on business.  It may be possible to extend the cover to include the personal trips of directors or their family.

Motor Fleet, Company Cars & Commercial Vehicles

This type of policy enables all of a company’s vehicles to be insured under a single policy and for reasons of cost, ease of administration and flexibility it is widely used.  Insurers vary on what number of vehicles are required to constitute a fleet policy and at the smaller end, careful consideration is required to determine whether this is worthwhile or whether remaining on a standard ‘no claims bonus’ basis would be preferable.

Shop & Office Packages

These policies are arranged to provide a core package of insurance suitable for the protection of most types of shop, offices, restaurants etc.  A mandatory section of cover is usually for Contents and Stock and with this a package of insurance may be provided including: Business Interruption, Money, Frozen Food, Employers Liability, Public & Products Liability, Loss of Licence, Transit, Legal Expenses and 24 Hour Legal Helpline.