Shopkeeper or Retailers Insurance

Designed for shops, cafes, pubs and restaurants all of which are very different and are in different areas so are therefore rated differently. Contact us and tell us about your business and we'll ensure you have the cover you need. Typically the type of cover you need to be looking at is:

Building & contents - cover for your property, fixtures, fittings and stock
Business interruption - cover your business profits
Public Liability - cover yourself for injury or damage to others property
Employers Liability - cover as required by the law for your employees
Money - cover your business money on your premises & on the way to the bank
Goods in Transit - cover your stock whilst being carried in your vehicles

Property Owners or Landlords Insurance

Designed for agents and owners of Property. If you are a landlord (commercial or residential … perhaps buy to let) then you will need insurance for your property regardless of the type of insurance your tenant will have taken out. This type of policy can cover properties other than those being used for 'normal living' such as let properties, and holiday homes. Covers available:

Commercial Let - retail, offices & industrial properties
Residential Let - professional, and students
Building & Contents - cover for your property, fixtures & fittings
Loss of rent - cover your letting income
Public Liability - cover yourself for injury or damage to others property Employers Liability - cover as required by law for your employees

Office Insurance

Designed for office based companies and businesses. Large or small, our policies will provide you with comprehensive cover. Covers available:

Building & contents - cover for your property, fixtures, fittings and stock
Business interruption - cover your business profits
Public Liability - cover yourself for injury or damage to others property
Employers Liability - cover as required by law for your employees
Money - cover your business money on your premises & on the way to bank

Business at Home Insurance

Many people running a business from home may not realise that they need to insure these business. Home Business covers anyone who operates a business from their home address. Cover is specific to your business only, meaning that you don't have to waste time changing your existing household insurance. Covers available:

Office contents - cover for computers and other equipment used
Stock - can include products or components stored at home
Business interruption - cover your business profits
Public Liability - cover yourself for injury or damage to others property
Employers Liability - cover as required by law for your employees

Surgery Insurance

Policies designed for surgeries:

Buildings & Contents - cover for your property, fixtures, and fittings
Money - cover your business money on your premises & on the way to bank
Business Interruption - cover your business profits
Employers' Liability - cover as required by law for your employees
Public Liability - cover yourself for injury or damage to others property

Manufacturers, Factories

Cover for manufacturers and distributors:

Buildings & Contents - cover for your property, stock, fixtures, and fittings
Money - cover your business money on your premises & on the way to bank
Business Interruption - cover your business profits
Employers' Liability - cover as required by law for your employees
Public Liability - cover yourself for injury or damage to others property
Goods in Transit - cover your stock whilst being carried in your vehicles
Motor Fleet - cover for 3 vehicles or more

Printers

Cover for commercial printers:

Buildings & Contents - cover for your property, fixtures, and fittings
Money - cover your business money on your premises & on the way to bank
Business Interruption - cover your business profits
Employers' Liability - cover as required by law for your employees
Public Liability - cover yourself for injury or damage to others property
Goods in Transit - cover your stock whilst being carried in your vehicles
Motor Fleet - cover for 3 vehicles or more

Tradesmen / Per Capita Insurance

Policies covering the special needs of plumbers, decorators, electricians, builders, roofers, scaffolders, and most other trades are available. Specific Tradesman Liability cover is typically Public Liability insurance (which can be extended to cover Employers Liability insurance and tools cover) for specific trades and is ideal for those employing less than 8 people. Typically the type of cover you need to be looking at is:

Public Liability - cover yourself for injury or damage to others property
Employers Liability - cover as required by the law for your employees
Personal Tools - all risks cover for your personal hand tools
Personal Accident - protect your income if you are injured
Construction Plant - all risks cover for your own and hired in plant
Contractor All Risks - all risks cover for your materials and contracts
Motor Fleet - cover for 3 vehicles or more

Contractors Liability

Designed for the Building & Allied Trades with more than 8 persons working within the business. If less than 8 persons see our Tradesman's / Per Capita Insurance above. Covers Available:

Public Liability - cover yourself for injury or damage to others property
Employers Liability - cover as required by the law for your employees
Construction Plant - all risks cover for your own and hired in plant
Contractors All Risks - all risks cover for your materials and contracts
Commercial Vehicle Insurance - cover required by law for either a single vehicles or a fleet of 100

Engineering Insurance

This cover is intended to provide compensation in the event of the plant and machinery insured being damaged by some extraneous cause or on its own breakdown:

Engineering Plant - can include lifts, cranes, electrical equipment, engines and computers
Engineering Inspection Contract - available on a range of engineering plant to cover the statutory inspection of your plant