Commercial Services

Commercial Combined
A full range of comprehensive covers for the larger corporate client, incorporating many of the covers listed below, but particularly, material damage, business interruption, money, goods in transit, specified all risks, employers' liability and public and products liability.

Material Damage
"All Risks" cover for property including, buildings, fixtures and fittings, stock, plant and machinery and general contents.

Business Interruption
Cover which offers a business protection against the financial consequences incurred following an insured material damage claim.

Computer and Computer Installations
Hardware, software, networking installations and loss of data following a systems breakdown, together with any subsequent loss of profit.

Engineering
Provision of cover against machinery damage, business interruption, deterioration of stock, contractor's plant, machinery movement and statutory inspection of plant.

Money
Provides cover for the loss of or damage to money pertaining to the business.

Specified "All Risks"
Cover for specified items of equipment anywhere within the UK, Europe or worldwide.

Goods-in-Transit
Movement of your own property within the UK.

Marine
Commercial hull, machinery and liability insurance, hauliers, warehouse-keepers and freight forwarders liability, and worldwide cargo movements.

Contractors
Building works, plant and machinery and attaching liabilities

Crime & Fidelity
Cover for employee dishonesty, third party computer fraud and forgery.

Group Business Travel
Personal accident, medical expenses and personal assets of employees travelling on company business.

Group Medical Insurance
A flexible package of benefits providing a wide range of in-and out-patients' treatment for you and your staff.

Motor Fleet
Both mini fleet (5 vehicles) and main fleet (cover 12-15 vehicles)

Motor Trade
Bespoke insurance for companies involved in the sale and repair of vehicles, bodywork and coachbuilders, auto electricians, agricultural engineers and tyre and exhaust fitters.

Loss of Licence
Provides cover for the depreciation in value of an interest in the premises if the premises licence is withdrawn.

Aviation
Hull and liability for aeroplanes, cargo and passengers. Professional liability and financial risks.

Employers' Liability
Protection for employers against claims for bodily injury or illness sustained by employees.

Public and Products Liability
Protection in respect of legal liability for accidental death or personal injury or accidental loss or damage to third party property.

Excess Public and Products Liability
Provides top-up cover in excess of that provided by the primary insurer.

Professional Indemnity
Protection for the business against negligent acts, errors or omissions.

Directors and Officers
Protection for directors and officers of a business against liabilities arising out of the Companies Act and other legislative and regulatory matters.

Employment Practice Liability
Cover against the awards and costs in defending an industrial tribunal claim.

Credit
Insurance of debtor list against client insolvency.

Contingent Risks
Advertising agents' indemnity, hole in one and abandonment.

Legal Indemnities
Defective title, missing documents, restrictive covenants, missing beneficiaries and trustees indemnity.

Bonds
These are mainly financial guarantees and include land purchase guarantees, performance bonds, retention bonds, court bonds and custom bonds.