Liability Insurance
As an independent insurance broker based in the City, London we have access to a wide ranging panel of insurers including over 40 Lloyd’s of London and other UK Composite Market Insurers. Our easy access into the London Insurer Market helps us provide your business with the best possible Corporate Insurance cover available and at a highly economical price.
THE EMPLOYER’S LIABILITY (COMPULSORY INSURANCE) REGULATIONS 1998. The introduction of the Employers’ Liability (Compulsory Insurance) Regulations 1998 affected employers who purchase Employers’ Liability Insurance. The minimum limit of cover required by employers is increased from £2 million to £5 million for both onshore and offshore work from commencement of cover or first renewal on or after 1 January 1999. As an Employer your are responsible for the health and safety of your employees, while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The original Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims. Employers’ liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site. However, any injuries and illness relating to motor accidents that occur while your employees are working for you may be covered separately by your motor insurance.
Public liability insurance is different. It covers you for claims made against you by members of the public or other businesses, but not for claims by employees. While Public Liability insurance is generally voluntary, Employers’ Liability insurance is compulsory. You can be fined if you do not hold a current Employers’ Liability insurance policy which complies with the law.
Call one of our specialist liability insurance advisors now and ensure you and your business is protected against the unknown.
Business Insurance & Company Insurance
The Directors at Commercial Risks have a minimum of 20 years experience in providing Business Insurance Products and solutions to a wide range of Clients, in a vast range of industries. We routinely perform an in depth study into your Insurance affairs to provide continuing advice on your Company’s’ Insurance policies.
Technology
Our dedicated team of business insurance advisors use the latest technologies to ensure your Company’s’ Insurance experience is both clear and understood and even enjoyable! As a truly independent London Market Insurance Broker, Commercial Risks offer top quality Insurance Services at affordable prices.
Group Insurance
Group Insurance can offer you and your employees the bulk buying power that you attain through all of your other purchased products, from stationery and utilities, so why not Professional services such as Insurance? We can arrange a tailor made Insurance Programme for all of your various locations and apply size and low claims discounts to maximise your annual savings. This type of Group Business Insurance policy applies to all types of contract that we offer including Commercial Property, Casualty / Combined Liability, Commercial Combined, Contractors All Risks, Cyber Liability, Directors and Officers, Excess Casualty / Excess Layer, Film, Marine, Motor Fleet, Personal Accident, Professional Indemnity, SME Package and Travel (Business only) usually with enhanced coverage and much reduced premiums when compared to individually rated Insurance Policies. Utilising the economies of scale and sourcing your Group Insurance Policy from a wide range of Group Insurers we can provide you with the right policy at the right price.
We have built many strong relationships with the London Market and Composite Insurers including Ace Europe, AIG UK, Allianz, Brit, Charringtons / Creechurch, DA Constable (now part of QBE), Ecclesiastical, Equity Red Star, Highway, Liberty Mutual, MMA, New India Assurance, Norwich Union, Primary Broker Services, QBE Europe, Woodbrook Underwriting, Zurich and many more. Our disciplined broking, excellence service and product innovation means your group insurance requirements could not be in better hands.
Insurance Services Offered
Commercial Risks aim to provide a level of service, which sets new industry standards for excellence. Our approach to working with clients takes into account the needs of today’s executives and managers.
“We have many clients who have given us the privilege of looking after their insurances over the years. It is our determination to maintain both technical and service excellence, to all of our policyholders, that creates a long term partnership.”
Through the process of continual contact and discussion, we work closely with our clients to ensure that we identify their changing needs and provide quality products at affordable prices.
Our service is based on speed of response and intelligent translation of our clients’ &/or brokers’ needs.
We are extremely aware of the need for value in both the delivery of our services and purchasing insurance at the right price.
We provide a wide range of services including:
- Helping you to decide on the appropriate Insurances to purchase (such as Liability Insurance, Company Insurance, Business insurance, Group insurance etc)
- Risk identification and discussion on appropriate mitigation strategies
- Coordinating specialist Risk Management Solutions
- Designing specialist covers for various sectors (including specialist company insurance and business insurance)
- Introduction and networking with senior business advisors in other professional sectors
- Coordinating National and International insurance placements.
We are evolving our proposition and will investigate providing other value added services.
Call us on 0207 702 2103 to discuss your Company Insurance requirements.
Liability Insurance * Group Insurance * Business Insurance * Company Insurance
Our Insurance Roots
Commercial Risks (UK) Ltd is a City based Commercial Insurance Brokerage, founded by James Osman in 2002. At Commercial Risks, we are known to be entrepreneurial with an exceptional reputation for Strength, Integrity and Professionalism. In our early days, we were often referred to by our Underwriters and many UK Insurance Brokers as “The London Market’s best kept secret”.
We work closely with our partners and aim to deliver upon each promise and work tirelessly to maintain our specialist high profile standing in the London Market, this demands the highest level of professionalism and determination. We had no intention on remaining a “secret” and are now renown for high quality service and professionalism, delivering Comprehensive Businesses Insurance Solutions to many UK Businesses and Insurance Brokers. We have earnt our reputation over time, which we have and shall continue to do so.
At Commercial Risks we pride ourselves on our ability to provide specialist facilities to our 200+ UK Insurance Brokers via our network. Our panel of insurers are derived from Lloyd’s of London Companies and Composite Market Insurers. We are well known and respected in the market and specialise in various policy placements from Commercial Property, Casualty / Combined Liability, Commercial Combined, Contractors All Risks, Cyber Liability, Directors and Officers, Excess Casualty / Excess Layer, Film, Marine, Motor Fleet, Personal Accident, Professional Indemnity, SME Package, Business Travel etc.
. We focus our efforts on quality of product and a high level of service and support to our clients, plus other professionals within our industry.
Call us on 0207 702 2103 to discuss your Company Insurance requirements.
Liability Insurance * Group Insurance * Business Insurance * Company Insurance
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