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Employers Liability Policies:
Professional Indemnity (professional liability)
Unfortunately, we live in litigious times. Businesses can be sued, rightly or wrongly, for vast damages over a range of complaints. Professional indemnity insurance (known commonly as professional liability insurance) provides protection against any action by clients who believe they have received bad or negligent service or advice and have incurred a loss as a result. Most professional bodies have professional indemnity cover - in some cases it is compulsory.
Anyone who supplies advice or services such as consultancy should consider professional indemnity. We can provide professional liability insurance accountants, architects, engineers, nurses and other professions at higher risk from liability cases.
Property Insurance
Protects your buildings, contents and stock against damage or destruction caused by fire theft or other perils
Employers Liability
This is a statutory requirement if you are an employer. It protects your business assets from legal proceedings for injury to your employees during the course of their employment.
Public & Product Liability Insurance
Public and product liability insurance protects your business assets from legal proceedings for injury or property damage to third parties caused by your business activities or the products you supply. Manufacturers product liability insurance is particularly important due to the large numbers of people in contact with their products on a daily basis.
Business Interruption
If some peril such as fire or theft prevents the business from trading, this coverage, also known as consequential loss insurance, provides the owner with an income stream for the chosen insurance period. Coverage pays for loss of net profit and ongoing expenses.
Money
Usually forms part of a commercial combined policy for companies who trade on a cash basis
Goods In Transit
Protects your goods against accidental loss, damage or destruction whilst they are being transported from one location to another anywhere in the UK including by air or sea.
Business Motor
Covers cars, vans or lorries on an individual basis or on a fleet basis where more than five vehicles in total are owned or leased.
Garage Liability Insurance
Garage Liability Insurance is known in the industry as Motor Trade Insurance. This form of liability insurance provides cover for both 'Garage Risks' and 'Road Risks'.
Garage Risks includes cover for property, tools and vehicles whilst kept within a premises. It also provides Employers Liability and Public & Products Liability. Cover can also be extended to include Servicing Liability and Wrongful Conversion cover should you inadvertently sell a vehicle that you did not have a legal right to sell.
Road Risks covers the vehicles whilst outside the premises in the same way that any normal motor policy would. It can also be extended to include driving by a prospective customer for demonstration purposes
Personal Accident & Sickness
Protects you and your employees against accidental injury on a 24 hour basis. Provides some contribution towards medical expenses incurred in treating the injured party.
Sports Liability Insurance
Sports Liability Insurance cover can be taken for an individual, club or association competing either as an amateur or professional. The cover protects you against liability resulting from an injury to another player or spectator or damage to another's property that occurs whilst you are playing, coaching or refereeing a sport.
Commercial Legal Expenses
Covers you for expenses incurred in defending a wide range of disputes including contractual issues, employment issues, data protection issues and civil actions.
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