Commercial Insurance

With direct access to the UK market's most respected insurers, we offer some of the best and most competitive Commercial Insurance products available. Whether you are a large and well established commercial concern seeking a better deal on your insurances, a young and expanding enterprise, or an individual looking for a thorough service to manage your insurance affairs, our very experienced team can assist and advise.

Our main core areas of cover are as follows: -

Public Liability
Public liability insurance covers your legal liability for loss or damage to property belonging to a third party, or injury to third parties resulting from your business. Cover for legal costs and expenses is usually included.

Products Liability
Products liability insurance covers legal liability for the goods you make or sell. Cover for legal costs and expenses is usually included.

Material Damage
Material Damage Insurance covers loss, damage or destruction to your business premises, machinery, stock and other contents against fire, explosion, flood, malicious damage and theft. Remember, commercial policies define theft as involving the use of force or violence either in gaining entry or exit, or against an individual.

Business Interruption
Also known as ‘consequential loss’ or ‘loss of profits’, this insurance is designed to make up the shortfall in gross profit when business has been interrupted because of an event covered by your material damage insurance.

Motor Fleet / Commercial Vehicle
If you use a motor vehicle of any sort in connection with your business you are obliged to insure against injury or damage just as you are with a private car. Motor Fleet Insurance provides cover for a number of vehicles under one policy. Failure to take out an insurance policy that complies with the law can result in you being fined.

All Risks Cover
Provides cover for additional equipment, contents or stock against extra hazards over and above those you’re covered for under your standard material damage policy, such as malicious erasure of records, reinstatement of data following loss, or loss of income following a claim.

Goods in Transit
If you are responsible for property on the move, even if you use a haulier (whose own cover may be insufficient or non-existent), Goods in Transit Insurance provides cover for your items between destinations.

Engineering Inspection
By law, pressure vessels and lifting tackle have to be inspected and passed at regular intervals. This policy provides a qualified inspector to ensure that all necessary items are checked as per the statutory requirement.

Professional Indemnity
If your business provides advice, designs or consultancy, you have a responsibility to your clients and any breach of that responsibility could lead to a claim against you, causing serious damage to your business. Professional Indemnity insurance protects you against negligence claims.

Directors & Officers
Directors & Officers Insurance is widely used to protect the personal assets of individuals and, crucially, to cover the costs of their defence. Furthermore, Directors & Officers Insurance extends to protect the company itself, rather than leaving it to fund its own defence, thereby acting as a mechanism that also protects the value of a director’s personal holding in the company.

Specialist Covers
We pride ourselves on being able to provide cover in specialist and unusual areas of business.

Whilst price is important, receiving the right advice in order to select the most suitable products can bring major cost savings. With the aid of sophisticated computer facilities, our teams can offer insurance packages - tailored to meet your needs. Where required, a variety of payment plan options are offered, to help spread costs.

For a more detailed summary of our insurance facilities, please contact us.