Property Owners Insurance

We have a large portfolio of clients who are involved with property ownership, whether this is a single buy-to let, a residents association or a company owning a variety of properties. We are able to assist with a diverse range of property programmes and requirements.

Thanks to our strong relationship with specialist property insurers and underwriters, we can find the right cover for you at a competitive price. We will help you protect your investment by arranging the right product of insurance cover.

Typically, cover will include:

  • the loss of, or damage to, the fabric of the building, any communal areas, its fixtures and fittings, glass, cables and underground pipework (including trace and access damage)
  • your liabilities in terms of employee or public use of the building, or arising from accidents caused to others during your ownership of the property
  • the loss of rent, or the cost of alternative accommodation, if your property is rendered unfit for occupation
  • any legal expenses incurred.

Commercial Combined Insurance

Business insurance: protection against the risks associated with running your business

A business insurance policy can be tailored to meet all the risks associated with the running of your business – from the processes you use and the premises where you work right through to the goods you buy, sell or store.

Depending on the nature of your business, it protects against:

  • the loss of, or damage to, buildings, contents, machinery and equipment
  • mechanical breakdowns that disrupt production
  • the loss of, or damage to, goods in transit
  • the costs of implementing a product recall
  • liability claims from third parties and employees
  • employee dishonesty
  • business interruption
  • the costs of taking any legal action

Liability Insurance – Employers / Product / Public

We live in an evermore litigious society. Ensure your business is protected.

As a business owner you have a legal responsibility towards employees, customers and the public and if found liable, you could potentially be exposed to a significant loss with catastrophic consequences, if for an example a third party suffers injury or property damage resulting from your negligence. In short liability insurance is an essential cover and is provided to cover your defence costs and to pay compensation where the business is found to be at fault. Quite simply no business should be without it.

The three main categories of liability insurance are:

Public Liability - Protection against your legal liability for bodily injury to third parties and damage to their property

Products Liability - Protection against legal liability for injury or damage by any goods you supply.

Employers Liability – Under current UK legislation employers must insure against injury or illness to employees arising out of the course of their employment.

Motor Fleet Insurance

A motor fleet policy can cater for anything upwards of three vehicles, as well as all vehicle types from typical cars through to agricultural vehicles. If your company has not previously held a fleet policy then we can utilise our special arrangements with insurers to achieve discounts comparable to other fleet policies, which have run well for several years. If your company already has a fleet policy then our analysis of claims then subsequent preparation and presentation of fleet risks can assist greatly in achieving premium reductions without compromising on cover.

Director & Officers Insurance

Directors and Officers Liability insurance protects directors, officers and senior employees of a business against claims arising from their decisions and actions taken whilst managing their business. Cover includes the costs of defending litigation, damages and settlements.

If you don't have this cover currently in place then you may be at risk, and we'd advise that you check your level of protection.

Individuals and organisations are now prepared to enter into litigation more readily and unlike a company's liability, that could well be limited, the liability of directors and officers may be unlimited. Uninsured directors and officers run the risk of being sued, and in the worst cases face the possibility of personal bankruptcy.

Do I need it?

If you haven't thought about this before and if you're a company director we'd recommend you look closely at the subject of Directors and Officers Liability insurance. Assessing your requirement for this cover is essential; UK and EU legislation is becoming more comprehensive and imposes increased liabilities on company directors and officers.

If you're a company director (whether an executive or non executive) of a limited company, you're still personally liable for a variety of events that fall outside of your authority. These can lead to claims against you and taking out Directors and Officers Liability insurance can help protect you for a wide range of events.

To make sure that you're not exposed to any risk, we've outlined some key points below so you can make an informed decision on this important issue.

A typical policy will cover your company for:

  • Health and Safety at Work Act
  • Companies Act
  • Consumer Protection legislation
  • Data Protection Act
  • Racial and Sexual Discrimination Act
  • Insolvency Act
  • Company Securities (Insider Dealing) Act
  • Financial Services Act
  • Company Directors Disqualification Act
  • EC Directives and Regulations

Professional Indemnity

Professional indemnity insurance: protection for service providers, consultants and professional advisers

Professional indemnity insurance is necessary protection for any business that provides services, or professional advice, to clients, such as architects, accountants, solicitors and consultants.

It protects against compensation claims arising from:

  • the dishonesty of your employees, partners or directors
  • negligence (or breaches of duty of care)
  • the unintentional infringement of intellectual property rights
  • the loss of documents or data

Professional indemnity insurance covers the costs of defending these claims so you won’t be liable for any legal fees or, should you lose the case, the cost of putting things right or paying financial compensation.

Why you should consider it

  • Provides peace-of-mind financial protection for your business even in the event of an invalid claim. In certain circumstances it also covers fees owed by a client who refuses to pay because of your negligent act and threatens to counter-claim should you pursue what’s owed to you.
  • Minimises disruption to your business in the event of a claim against you
  • May be required for regulatory or contractual compliance
  • Enhances your business’s reputation as a professional firm

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