If you hire staff, even if they’re just volunteers, your business will be legally required to have sufficient Employers’ Liability Cover.

To go without could result in your business being fined up to £2,500 for each day it operates without this cover in place.

Employers’ liability insurance covers the legal fees and compensation costs in cases where an employee suffers a work-related injury or illness, and then claims damages.

If your business provides professional advice or services and one of your customers/clients suffers loss as a result of this, you may be held liable for professional negligence.

This covers against the financial repercussions of such a claim, including investigation, defence and compensations costs.

If a member of the public is injured or their property damaged as a result of your business, you could be held liable and be required to pay associated fees and potentially compensation costs. 

If you sell a product which you make, or sell products produced by a third-party company and they are the cause of injury or damage, again you may be held liable, even if you didn’t manufacture the product.

This cover will protect you against the defence, investigation, court fees and any compensation associated with such a claim, giving you the reassurance that should something go wrong, you’re covered.

Business Buildings and Contents insurance serves to protect the structure of your commercial property, including the fixtures and fittings and any outbuildings, along with the contents it holds.

This will protect you in the event of natural risks such as weather, storm and flood damage, along with those such as loss, accidental damage, theft and vandalism. If you have contents of a particularly high value, these can be protected with specialist cover.

Typical cover can include;

• Building, outbuildings & fixtures/fittings

• Assets held inside your property

• Specialist contents option available

• Technology and white goods

Items taken away from the premises

If you need to take contents away from the premises for events such as meetings and homeworking, this feature of cover will protect your contents even when they’re not kept within the insured property.

Commercial legal expenses cover will account for the funds required to seek legal advice, investigate and defend cases made against your business, along with covering any court fees.

This is invaluable if a claim is made against your business and you’re required to seek advice and take further legal action. Without this cover, the costs you’re subject to pay can quickly add up.

If you use your vehicle for work, for anything other than a commute, you will require commercial vehicle cover to make sure you are correctly protected.

Whether you’re driving tools to a site or visiting a client, this cover is essential. We can cover a wide range of vehicles, from cars and vans to other special types. As with standard motor cover, you have the option to choose from three levels of cover; comprehensive, third-party and third-party, fire and theft.

Businesses using lifting equipment are required under the Lifting Operations and Lifting Equipment Regulations 1998 (LOLER) to have such equipment independently inspected.

These items will be subject to set inspections, and in this case, an engineering inspection policy will ensure that inspections are arranged in order that your organisation and machinery is operating safely and compliantly.

Business material damage provides cover for the reinstatement and repair of your building, fixtures/fittings, contents and stock which have been damaged following a destructive event such as fire or flooding.

It’s important to get the right level of cover for this, as, without a correct rebuild estimate, your commercial building could be left vastly underinsured. We can help ensure this figure is correct.

Property owners require specialist insurance which not only covers damage to your property portfolio but also your financial interest in the property.

This means that along with being covered for buildings and contents, you will also have further coverage allowing for risks such as loss of rent and unoccupied property protection.

Your policy can also include Property Owner’s Liability cover which protects you in the event a claim is made against you for injury or damage sustained at your property. This will cover you for defence and compensation costs.

Typical cover can include;

• Loss of rent

• Liability

• Buildings and contents

• Cover for multiple properties

• Alternative accommodation costs

Machinery and Stock insurance protects your business equipment, machinery and stock against the risk of damage, loss or theft.

Many businesses rely on both their equipment and stock to continue operation. With this cover feature, you will be assured that you can you can get back to business as quickly as possible. We can even ensure that your freezer contents are covered under your policy.

You will require goods in transit cover if you deliver or transport goods.

This cover will protect your goods whilst they’re being transported, by whichever means stipulated in your policy.

Typical cover can include;

• Loss

• Theft

• Damage

We can insure all your company vehicles under one simple policy, whether you use cars, vans, or other special types such as quad bikes, agricultural vehicles or even wood chippers etc.

This saves on paperwork and can potentially lower the cost of your insurance premium in comparison to insuring your vehicles under individual policies.  As with standard motor cover, you have the option to choose from three levels of cover; comprehensive, third-party and third-party, fire and theft.

Your directors and senior management have to make tough decisions on a regular basis, and if they make the wrong call they could be held personally responsible.

If a claim is made against the senior management of your business, they could face hefty investigation and defence charges, along with compensation costs. The purpose of Directors and Officers’ Liability insurance is to protect your management financially in the event of claim, so they can continue to make those tough decisions with the peace of mind that they’re covered.