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BUSINESS INSURANCE
| Cover Heading |
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Description of Covers Available |
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| Buildings |
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This covers unforeseen loss of or damage to insured property by an insured peril. |
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| Business Interruption |
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This covers financial losses resulting from loss or damage to property by an insured peril for a specified period of time after the event. |
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| Business Travel |
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This covers medical expenses, personal accident, cancellation, personal effects, money whilst travelling on business. |
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| Computer |
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This covers loss or damage to computers and can be extended to include breakdown, reinstatement of data and additional costs of working. |
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| Contents, Fixtures and Fittings |
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This covers unforeseen loss of or damage to insured property by an insured peril. |
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| Contract Works |
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This covers physical loss or damage by an insured peril to buildings in course of erection and the materials, plant, works and equipment associated with the construction. |
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| Cyber Liability |
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This covers third party liability claims alleging financial loss caused by a wrongful act arising from insured services while performing cyberspace activities, e.g. websites, e-mails etc. |
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| Deterioration of Stock |
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This covers loss or damage to stock stored in temperature controlled conditions following breakdown of the refrigeration plant or leakage of refrigerant. |
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| Directors' El Officers' Liability |
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This covers the personal liability attaching to directors and officers in respect of claims made against them, for wrongful acts, as directors and officers of a business. |
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| Employers' Liability |
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This covers legal liability for death or injury to employees caused in the course of their employment. This cover is a legal requirement for most businesses. |
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| Engineering Inspection |
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This covers statutory inspection of plant. |
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| Engineering Insurance |
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This covers loss of or damage to engineering plant. |
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| Environmental Impairment |
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This covers legal liabilities to third parties for pollution, and clean-up costs for the insured's or third party's site. |
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| Fidelity Guarantee |
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This covers financial loss due to the dishonesty of employees and includes auditors' costs in establishing the amount of the loss. |
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| Goods in Transit |
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This covers loss or damage to stock and other property specified whilst in transit or temporarily stored in the course of transit in the UK. |
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| Hired-in Plant |
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This covers legal liability under a hiring agreement for loss of or damage to specified plant and can be extended to include continuing hire charges. |
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| Legal Expenses |
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This covers legal defence costs, including the payments of awards in employment disputes. |
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| Loss of Licence |
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This covers financial loss in the event of non-renewal or withdrawal by the authorities of a licence required for a business. |
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| Loss of Money |
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This covers loss of money from the insured premises, at an employee's home or in transit up to specified limits, and includes personal accident and personal effects cover following assault. |
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| Marine Cargo |
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This covers loss or damage to stock and other property outside the UK in transit or temporarily stored in the course of transit. |
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| Motor |
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This covers statutory liability under the Road Traffic Act for injury and/or damage to third parties as a result of operating motor vehicles and can include damage to own vehicles. |
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| Personal Accident |
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This covers the payment of agreed amounts following death, permanent and/or temporary disablement of an insured person by an insured event. |
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| Products Liability |
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This covers legal liability for accidental injury to third parties or for damage to their property arising out of goods or products sold or supplied. |
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| Professional Indemnity |
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This covers legal liability sustained as a result of wrong, negligent or misleading advice or treatment given. |
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| Property Damage (including Buildings, contents, stock etc) |
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This covers unforeseen loss of or damage to insured property by an insured peril. |
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| Public Liability |
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This covers legal liability for accidental injury to third parties or for damage to their property arising from the business excluding liability caused by goods or products sold or supplied. |
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| Specified all Risks |
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This covers loss or damage to specified property for "All Risks" as defined on the policy anywhere within the geographical limits. |
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| Stock / Customers Goods |
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This covers unforeseen loss of or damage to insured property by an insured peril. |
| Trustees' Liability |
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This covers the personal liability attaching to trustees if they are in breach of legislation and the duty owed to their employer company, plan or corporate trustee. |
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Some of our
panel of insurers |
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