Our Products
Trades & Professionals
A per capita product for businesses with up to 15 employees who predominantly do not work from a set business premises. Cover available for a wide range of trades from carpet fitters to builders, electricians to mobile hairdressers. The policy can be extended to include Contract Works, Hired in Plant and Own Plant and tools.
- Public and Products Liability up to £5,000,000
- Employers Liability £10,000,000
- 15m Height limit and 2m Depth limit as standard
- Indemnity to principles, stated as “Additional Persons Insured”
- Contingent Liability for BFSC
- Option to include Tools and Business Equipment
- Option to include Own Plant, Hired-in Plant (including hiring charges) and Contract Works
- Option to include Hairdressing and Beauty Treatment Risks
- Commercial Legal Expenses £100,000 included as standard
Retail
Suitable for most types of retail business from butchers to newsagents and takeaway outlets (excluding Fish and Chips Shops) to coffee shops the Retail Product provides solutions needed for today’s modern retail outlet.
- Public and Products Liability – up to £5,000,000 limit
- Employers Liability £10,000,000 limit included as standard
- Accidental Damage included as standard
- Contents and Stock up to £1,000,000 (provided MD/BI is not over £1,500,000)
- Seasonal Stock increase included as standard
- Deterioration of stock included as standard - £5,000 limit
- Business Interruption up to a Sum Insured of £1,000,000 (provided MD/BI is not over £1,500,000)
- Money – Standard Limit of £5,000 during Business hours and in Transit (£1,000 in safe overnight)
- Goods in Transit up to £5,000 limit
- Commercial Legal Expenses £100,000 included as standard
- All Risks Business Equipment - Standard Limit of £1,000
- Includes Manual Work away liability (excluding Heat)
- Option to include Buildings and Tenants improvements
- Option to include Loss of license
- Option to include Hairdressing and Beauty Treatment Risks
Residential Property Owners
Coverage for a single buy to let property, the Residential Property Owners product will adapt to your customer’s needs and protect against damage and legal action with additional options for subsidence and employers’ liability covers.
- Buildings up to £2,500,000
- Loss of Rent or Alternative Accommodation (20% of Buildings Sum Insured) included as standard
- Property Owners Liability up to £5,000,000
- Malicious Damage by Tenants up to £10,000 included as standard
- Landlords Legal Solutions - £50,000 limit including Property Repossession Cover
- Includes Accidental Damage as standard
- Option to include Landlord’s Contents of Residential Units and Communal Areas
- Includes Accidental Damage as standard
- Option for Day One Uplift
- Option to include Subsidence
- Option to include Employers Liability £10,000,000
Commercial Property Owners
Coverage for a single Commercial property, the Commercial Property Owners product will protect your customer’s asset against damage and legal action with additional options for accidental damage, subsidence, loss of rent and employers’ liability covers.
- Buildings up to £2,500,000
- Property Owners Liability up to £5,000,000
- Malicious Damage by Tenants up to £10,000 included as standard
- Commercial Legal Expenses £100,000
- Option to include Loss of Rent
- Option for Day One Uplift
- Option to include Landlords Contents in the Commercial Unit and Communal Areas
- Option to include Accidental Damage
- Option to include Subsidence
- Option to include Employers Liability £10,000,000
Restaurants, Wine Bars & Pubs
A package policy designed for a range of clients within the licensed trade and restaurant sector. Cover can be enhanced to suit the requirements of the customer such as work undertaken away from the premises, and use of frying equipment
- Public and Products Liability up to £5,000,000
- Employers Liability £10,000,000
- Contents up to £250,000
- Stock up to £100,000
- Deterioration of stock included as standard - £5,000 limit
- Business Interruption up to a Sum Insured of £1,000,000
- Money – Standard Limit of £5,000 during Business hours and in Transit (£1,000 in safe overnight)
- Goods In Transit included as standard - £2,500 limit
- Damage to Vending Gaming and Amusement Machines - £1,000 limit
- Damage to Property in the Open - £2,000 limit
- Accidental Damage included as Standard
- Commercial Legal Expenses £100,000 included as standard
