Business Insurance

Commercial Property

Whether you are a freeholder, leaseholder, mortgagee or owner.

Any type of premises including:
Shops
Offices
Hairdressers and beauticians, Restaurants
Blocks of Flats
Village Halls
Buildings Insurance
Accidental Damage
Subsidence
Terrorism
Loss of Rent
Liability Cover
Replacement Locks
Glass Damage
Accidental Damage to underground pipes and cables
Legal Expenses

 

Office

Buildings
Subsidence
Contents and Fittings
Liability
Business Interruption
Computer Breakdown
Personal Accident
Fidelity (Employee dishonesty)
Business Travel
Personal Accident
Cover for items away from the premises
Liability for work away from premises
Legal Expenses

 

Shop

Buildings
Subsidence
Contents and Fittings
Stock
Glass
Frozen Goods
Goods in Transit
Business Interruption
Computer Breakdown
Personal Accident
Cover for items away from the premises
Loss of Licence
Liability for work away from premises
Legal Expenses
Liability

 
 

Public House

Buildings
Contents
Business Interruption
Money
Goods in Transit
Book Debts
Frozen Food
Legal Expenses
Liability

 

Restaurant / Take Away

Buildings
Subsidence
Contents
Accidental Damage

Loss of Profits
Glass, Signs and Fascias
Money
Goods in Transit
All risks to business equipment
Book Debts
Loss of Licence
Deterioration of Stock
Legal Expenses
Liability

 

Hotel / Guest House

Buildings
Subsidence
Contents
Accidental Damage
Business Interruption
Money
Goods in Transit
Book Debts
Frozen Food
Liability

 
 

Wholesale

Buildings
Contents
Business Interruption
Money
Good in Transit
Book Debts
Frozen Food
Liability

 

Care Home

Buildings
Contents
Stock
Deterioration of Stock
Glass, Internal Blinds and Signs
Money
Malicious Attack
Goods in Transit
Non-Production Machinery and Computer Breakdown
Loss of Revenue
Loss of Registration Certificate
Nursing Malpractice
Legal Expenses
Liability

 

Church

Buildings
Contents
Boilers & Plant
Money
Loss of Income
Personal Accident
Terrorism
Legal Expenses
Fundraising Events
Pipes and Cables
Musical Instruments
Headstones and Monuments
Office Equipment
Liability

 
 

Liability

Public Liability Insurance – £1 million, £2 million or £5 million available
Employer's Liability
Liability cover for businesses with up to 10 people
Up to 7 multiple trades under a single policy

Heat work for most trades
Treatment risk can be covered, for certain trades
Contract Works
Own and Hired in Plant
Tools
Business Equipment
Stock in Transit
Business Interruption
Personal Accident
Temporary Employees

 

Home Economist

Public Liability £5,000,000
Products Liability £5,000,000
Employers Liability £10,000,000

All the following are covered under this policy:-

Demonstrate in Supermarkets, Wives clubs, Woman's Institutes, Local Groups, Schools, Colleges.
Demonstrate and teach how to use kitchen equipment and implements
Demonstrate/Allow people to consume foods and participate to cook.
Work in film, Radio, Television and Media.
Food Design
Work for Nationals.

 

Event

One off Event
Multiple Events
Wedding Insurance
Street Parties
Fireworks
Celebration

Public Liability up to £5m
Employers Liability £5m
Event Equipment
Cancellation, Abandonment, Postponement

 
 

Other Policies Available

Business Combined
Engineering
Professional Indemnity
Aviation
Directors and Officers
Many More

 
 
 

Some, or all, of the above section(s) are covered as standard, dependent upon levels of cover, and Insurer chosen. Some section's are available as optional extras.