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Insurance policy covers that can be arranged

The insurance services we provide have been the core of our business since we opened in 1982. We have vast experience in both fields of general insurance which are personal lines insurance ( such as motor & house insurance products) and commercial lines insurance (commercial insurance products).

The importance of getting the right advice when purchasing an insurance product is more important now than it has been for some time. There are a number of reasons for this – the main one is that insurance companies are scrutinising every claim made and are refusing to pay out on claims if the correct cover was not in place at the time of the event being claimed for. For this reason it is very important that you receive the correct advice and purchase the right product for your particular needs and unfortunately this service is not offered by some other insurance companies especially “direct line” or “online” insurers.

Below we have listed some of the most popular insurance products that we offer and also insurance definitions so our customers will have a better understanding when reading their policy booklets or discussing the purchase of an insurance product.

Property Damage –
This covers unforeseen loss or damage to insured property by an insured peril.

Business Interruption –
This covers financial losses resulting from loss or damage to property by an insured peril for a specified period of time after the event.

Loss of Money –
This covers loss of money from the insured premises, at an employee’s home or in transit up to specified limits, and includes personal accident and personal effects cover following assault.

Specified All Risks –
This covers loss or damage to computers and can be extended to include breakdown, reinstatement of data and additional costs of working.

Deterioration of Stock –
This covers loss or damage to stock stored in temperature controlled conditions following breakdown of the refrigeration plant or leakage of refrigerant.

Loss of Licence –
This covers financial loss in the event of non-renewal or withdrawal by the authorities of a licence required for business.

Employer’s Liability –
This covers legal liability for death or injury to employees caused in the course of their employment. This cover is a legal requirement for most businesses.

Public Liability –
This covers legal liability for accidental injury to third parties or for damage to their property arising from the business excluding liability caused by goods or products sold or supplied.

Products Liability –
This covers legal libility for accidental injury to third parties or for damage to their property arising out of goods or products sold or supplied.

Product Guarantee & Recall –
New EU legislation requires manufacturers to be in a position to identify end users of goods. If a recall is required due to possible danger to health, insurance can be bought to cover the costs associated with the recall and re-supply.

Contract Works –
This covers physical loss or damage by an insured peril to buildings/installations in course of erection and the materials, plant, works and equipment associated with the construction.

Hired-in Plant –
This covers legal liability under a hiring agreement for loss of or damage to specified plant and can be extended to include continuing hire charges.

Motor –
This covers statutory liability under the Road Traffic Act for injury and/or damage to third parties as a result of operating motor vehicles and can include damages to own vehicles.

Engineering Insurance –
This covers loss of or damage to engineering plant.

Engineering Inspection –
This covers statutory inspection of plant.

Goods in Transit –
This covers loss or damage to stock and other property specified whilst in transit or temporarily stored in the course of transit in the UK.

Marine Cargo –
This covers loss or damage to stock and other property outside the UK in transit or temporarily stored in the course of transit.

Personal Accident –
This covers the payment of agreed amount following death, permanent and/or temporary disablement of an insured person by an insured event.

Business Travel –
This covers medical expenses, personal accident, cancellation, personal effects, money whilst travelling on business.

Legal Expenses –
This covers legal defense costs, including the payment of awards in employment disputes, VAT tribunals, tax investigations and general contract disputes.

Fidelity Guarantee –
This covers financial loss due to the dishonesty of employees and includes auditors’ costs in establishing the amount of loss.

Directors’ and Officers’ Liability –
This covers the personal liability attaching to directors and officers in respect of claims made against them as directors and officers of a business.

Professional Indemnity –
This covers legal liability sustained as a result of wrong, negligent or misleading advice or treatment given.

Breakdown –
Mechanical or electrical breakdown requiring specialist engineering repairs, eg. motor, gas, engineering plant items.

All Risks –
This is cover for items taken away from the premises such as laptops, engineer’s tools etc.

Household Combined –
A package of policy types in one product for efficiency and wide benefits to the homeowner for both buildings and contents. It can be extended to include items taken away from the premises, such as jewellery, clothing and bicycles.

Private Medical –
Cover to provide for medical bills for non-emergency treatment. Treatment times to suit you and high standards of accomodation.

Motor Insurance 
Private car insurance for all ages of drivers including young drivers, families and open driving policies.

House Insurance 
Buildings, contents and high value items within your family home, holiday home or rental properties.

Commercial Vehicle Insurance 
Insurance for small or large commercial vehicles with named drivers or open driving cover.

Fleet Insurance 
Insurance for 3 or more vehicles on a named driver or open driving basis.

Landlord Insurance 
Property & liability insurance for landlords.

Public, Products & Employee Liability –
All types of liability insurance.

Shop & Office Insurance –
Policies to suit shops and offices of all types and size

Travel Insurance 
Single trip and annual travel insurance policies for personal and business customers.

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