Household Insurance

You may just need simple home insurance for your building and/or contents and personal items outside the home. You may need high value building and contents cover from an Insurer who can include precious jewellery, second homes in the UK or abroad, children’s belongings when they are away at school or university, parent’s belongings in care homes, domestic staff or other more specialist requirements all under one umbrella policy.

We are able to offer Household Buildings and Contents Insurance cover for all of these and give advice on the cover you need to assist you to make the right choice that is best for you.

Office insurance 

Is for almost any business, from small traders to limited companies that have on-site employees. It can be made up of internal coverage’s that allow companies to provide services based on their skills and experience without the worry of insurance.

Professional indemnity insurance

Professional Indemnity covers your business in the event you are negligent or cause a situation whereby your clients business suffers financially.

This type of insurance will also cover you against issues pertaining to copyright, trademark, broadcasting rights and should also take care of the ensuing legal expenses.

Most UK businesses need a professional indemnity insurance policy to run legally and ethically. Professional consultants, medical professionals and legal representatives are certainly required to have an adequate professional indemnity plan in place. However, those in information technology, accountancy or consultancy positions and a whole host of other business niches require this type of cover too.

Professional indemnity insurance is broken down into three categories. The first of which will protect your business against proceedings brought about by negligence or errors caused by your company or it’s employees. This type of professional indemnity insurance cover is the most basic policy available. The second type of insurance cover protects the business from any losses incurred as a result of breach of duty. Lastly, the third type of coverage protects the professional indemnity insurance policy holder against any future civil liabilities.

The coverage provided by your professional indemnity policy will be governed by the size of your business and also the type of service you provide. When arranging your policy you should take into consideration the value of the service you are providing and also the potential financial shortcomings your client may experience should things not go as planned.

Residential and Commercial Landlords Insurance

As with any other type of insurance policy, you should always endeavor to check before accepting your landlords insurance quote that you are covered for most eventualities. A landlords insurance policy should not just protect the landlord from damage caused to the property but also protect the landlord from legal disputes with tenants.

Comprehensive landlords insurance protects landlords from most situations and is known as an ‘All Risks’ cover.  On the other side of the coin, ‘Peril Policies’ will usually provide less protection where damage is concerned and will only list the losses that are actually covered by the specific landlords insurance policy.

When legal coverage makes up part of the landlords insurance policy, landlords will be fully compensated for any associated legal costs arising from the dispute.

The same applies if the tenant leaves the property in a considerably damaged state. The landlords insurance policy will cover the repair costs and, usually, the ensuing loss of earnings caused by the property being un-tenanted during the repair process.

Directors & Officers Insurance

Unfortunately, in today’s litigious society, directors and officers liability insurance is an absolute must in order to protect the directors’ and officers’ personal assets which are at risk from the potential claims that might come their way.

Today, more than ever, companies are open to a number of threats posed by industry regulations and ever changing government legislation and having an adequate directors and officers insurance policy in place will provide peace of mind and protection, should it ever be required to defend individuals and some circumstance the entity (Company) itself against actions arising from ‘wrongful acts’.

Directors and senior managers will have their own responsibilities and practices as per outlined in their job descriptions. However, in carrying out their roles they become exposed to a number of potential causes for claim including; fraud, competition, employment , data protection, health and safety, negligence and many more. The directors and officers insurance policy offers protection against this.

‘Wrongful Acts’ include but are not limited to, actual or alleged breaches of trust or duty, neglect, error or breach of authority.

Employment Law Protection provides cover for your legal liability following an employment dispute, legal costs and expenses. Some Insurers can provide HR Expertise for creation of your employment documents.

Business Insurance

Business Insurance is vital to protect your business in the event of circumstances including fire and flood it covers the bricks and mortar of your building and can be extended to include fixtures, fittings and all other contents and stock, within or away from the property.

Business Interruption insurance can form part of your Business Insurance and is vital to help save your company after a major or even minor incident where insured damage has been caused.

There are many options of cover; it can include your loss of profits whilst you are unable to trade, pay your staff wages to ensure you keep your workers, cover additional costs incurred to keep your business going.

Extensions can be arranged to include unforeseen eventualities such as denial of access to your premises, loss of power, the temporary closure of your business following murder or suicide or even food poisoning.

Increased cost of working cover is available in isolation where this is a suitable solution to your requirements with Additional Increased Cost of Working options and longer indemnity periods being also easily arranged.

Liability Insurance

Liability Insurance is an essential part of any Business policy and provides the Policyholder with protection against a vast amount of possible situations brought about by their actions or services that they provide and is vital to protect you from unexpected incidents that could potentially put you out of business.

Liability insurance policies are specifically tailored to meet the requirements of the Policyholder where cover if for a large business, small business or a sole trader working alone or with a small number of employees.

If your business has employees, your liability insurance policy should include employers liability insurance to protect yourself from litigious claims where injury, loss or damage is suffered by third parties or made by current or former employees. This could include injury to person or damage to property.