Commercial Insurance

Motor Trade

Suitable for all aspects of the Motor Trade, a bespoke insurance policy that is designed around your business, which can include:

• Road Risks, covering your own vehicles and vehicles belonging to customers
• Damage to your property and property in your custody
• Business Interruption (Loss of Revenue)
• Public and Products Liability and Defective Workmanship
• Employers’ Liability
• Goods in Transit
• Engineering Inspection
• Money
• Commercial Legal Expense

Other covers that are relevant to your business are available.

Motor Fleet

We can arrange a Motor Fleet policy for you if your business owns 4 or more vehicles, be they all commercial vehicles, cars or a variety of vehicles.

You can choose to have drivers named on your policy, or have a policy which allows anyone in your employment to drive your vehicles.

Subject to availability, you can choose Comprehensive, Third Party Fire and Theft, or Third Party Only cover.

Care Homes

In order to protect your service users and your business, we can arrange a specialist Insurance policy designed specifically for the Care Industry, which can include:

• Building
• Contents
• Residents Contents
• Business Interruption (Loss of Revenue)
• Public and Products Liability
• Employers’ Liability
• Medical Malpractice
• Management Liability
• Commercial Legal Expenses

Café, Pubs & Restaurants

A bespoke Insurance package policy designed for the Food and Drink trade and built around your business. Your policy can include:

• Building
• Tenants Improvements and Decorations
• Contents and Stock
• Business Interruption (Loss of Profits)
• Public and Products Liability
• Employers’ Liability
• Goods in Transit
• Glass
• Money
• Commercial Legal Expenses

Other covers are available that may be relevant to your business such as Loss of Licence.

Working from Home Insurance

If your business is based from your home, you can arrange a policy that is specifically designed for Home based businesses. A policy can contain:

• Contents and Stock
• Public and Products Liability
• Employers Liability
• Business Money
• Business Interruption (Loss of Revenue)
• Commercial Legal Expenses

There are other covers available that may be relevant to you, such as Building, Professional Indemnity and Home Contents.

Construction Industry

Suitable for all aspects of the Construction Industry, a contractor policy can include:

• Public and Products Liability
• Employers Liability
• Construction All Risks, covering buildings in course of erection or repair
• Own Equipment
• Hired in Equipment
• Personal Accident

Other covers that may be relevant to your business such as Bonds and Professional Indemnity are available.

Property Owners & Landlords

Whether you own and rent out Residential or Commercial property, there is an Insurance policy suitable for you.

A policy can contain:

• Building
• Landlord Contents
• Loss of Rental Income
• Property Owner Public Liability

There are other covers available that may be relevant to you, such as Employers Liability and Legal Expenses.

Hotels, B&Bs & Guest Houses

A bespoke package Insurance policy specifically designed for Hotels and Guest Houses. Your policy can include:

• Building
• Contents
• Stock
• Guests Effects
• Business Interruption (Loss of Revenue)
• Public and Products Liability
• Employers’ Liability
• Glass
• Money
• Commercial Legal Expenses

Other covers are available that may be relevant to your business such as Engineering Inspection and Management Liability.

Shops & Retailers

A bespoke insurance package policy designed around your business, which can include:

• Building
• Contents and Stock
• Business Interruption (Loss of Revenue)
• Public and Products Liability
• Employers’ Liability
• Goods in Transit
• Glass
• Money
• Commercial Legal Expenses

There are other covers available that may be relevant to your business such as Loss of Licence.

Commercial Combined

A bespoke Combined Insurance policy built around your business. Your policy can include:

• Building
• Tenants Improvements and Decorations
• Contents and Stock
• Business Interruption (Loss of Profits)
• Public and Products Liability
• Employers’ Liability
• Goods in Transit
• Commercial Legal Expenses

Other covers are available that may be relevant to your business such as Engineering Inspection and Management Liability.

Professional Indemnity

A bespoke insurance package policy designed around your business, which can include:

• Here is a list of some of the risks which may be covered by a professional indemnity policy:
• Negligent act, error or omission
• Dishonesty and fraud
• Accidental infringe on intellectual property
• Loss of documents or data
• Unintentional defamation (libel and slander)

Professional indemnity insurance will also pay the legal costs incurred in the defence and settlement of claims.

Offices & Surgery

A bespoke insurance package policy designed around your business, which can include:

• Building
• Contents
• Business Interruption (Loss of Revenue)
• Public and Products Liability
• Employers’ Liability
• Goods in Transit
• Glass
• Money
• Commercial Legal Expenses

There are other covers available that may be relevant to your business such as Professional Indemnity.

Directors & Officers

Directors and officers liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organisation(s) itself, as indemnification (reimbursement).

For losses or advancement of defence costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.