Most businesses have assets that need to be protected, typically buildings, contents or stock, either at own premises, customer’s premises or sometimes in transit. We will design an affordable insurance programme to ensure your business assets are protected as widely as possible.

Also known as Loss of Profits or Consequential Loss, this is invaluable protection, without which many businesses could not survive the disruption caused following a significant insured event taking place. Whilst asset protection will repair or replace the physical assets, the potential loss of income or the increased costs necessary to continue operating can quickly overburden even the soundest of businesses. We consider it essential that every business protects it’s income and we are able to provide you with the right insurance cover and risk management advice to minimise the impact on your business.

All businesses will usually require Public and/or Products Liability Insurance which covers your legal liability should you injure anybody or damage any property in the course of your business. If you have any employees then Employers Liability becomes a legal requirement. Legal Liability insurance can be an incredibly complex area, but we have the expertise to make this subject easier to understand. By providing sensible risk management advices we will help you minimise your risk, whilst making sure you have the widest possible cover with a realistic cover limit.

Professional indemnity insurance is a vital requirement for every business that provides any advice, design or even supervision to its clients. We are experienced in advising on all aspects of professional indemnity cover whether it is for one of the traditional professions, emerging professions or contractors needing professional indemnity coverage to complement their existing public and products liability policies.

Developments in the legal system have made it increasingly important for businesses to protect their management. Individual directors, partners and/or officers are considered to be the mind and will of the organisation and personally responsible for their actions, potentially with unlimited liability. Management Protection provides legal liability and defence costs to the individual and in many policies, the company as well. Protection is also available for employment law, fidelity, commercial legal expenses and pension trustees and nowadays even directors and officers of clubs, societies, residents associations and not-for-profit organisations are well advised to consider this protection.

We provide a range of solutions for all types of business vehicles, whether a fleet, an individual commercial vehicle or business car, an item of plant, a special licenced vehicle or a privately owned vehicle needing cover for business use. We constantly review the market once cover is placed we provide first class claims management as an integrated part of our service.

From the tallest crane to the smallest pallet truck, from an air receiver to a multitubular boiler system. If you have a pressure system, work equipment, mechanical device, lifting equipment, refrigeration/ventilation equipment or power press then it almost certainly needs an inspection and statutory report. We can advise on the most cost effective solution to suit your circumstances.