Why purchase insurance? You want to be sure that if you suffer a loss that you have cover in place to protect your interests and provide an indemnity to ensure your business continues to run smoothly.

 

However, insurance for buildings and contents alone is not always enough. There are many exposures that a modern organisation must consider irrespective of their size and activities -

 

Exposures where a Director can be personally sued, where an employee is injured, where one of your products injures a member of the public, even where advice you provide to a client results in them losing money or a contract. 

 

That is where an Insurance Broker comes in. We have the industry knowledge that is used to represent you, to assess your individual requirements, to negotiate for you during the claims process and ensure a resolution that meets your satisfaction.

 

We work for you and we offer unique service and personal, friendly advice throughout the contract.

 

The core of our insurance business is in the commercial sector placing insurances for corporations, partnerships and sole traders. Using our vast experience and strong relationships built with insurers over 30 years of success, we offer a complete broking facility. Our Brokers are available to visit your premises, depending on your trade, where we will conduct an insurance survey discussing protections and safety precautions as well as advise on hazardous exposures. We will review your insurances fully to identify where you may not be protected and advise on the correct covers and insurances for your business. You want to be assured that in event of a claim your insurances are properly and completely arranged.

Correct advice is essential to the survival of your business.

You should demand the best quality and professional advice that meets your needs.

Through our unrivalled reputation and independent status in providing innovative solutions to our clients, we have negotiated niche schemes for your trade.

We have a Broking team that look after all insurances and we would expect our policies to include cover for:

MANUFACTURING
Machinery
Stock
Business Interruption
Goods in Transit
Fixtures and Fittings
Money
Glass
Contents
Public, Product and Employers Liability
Buildings

RETAILERS
Employers, public and product liability
Business Interruption
Money
Fixtures and fittings
Stock and goods in transit
Deterioration of stock and frozen foods

CONTRACTORS
Employers, Public and Products Liability
Contractors All Risk
Commercial Legal Protection
Property Damage
Stock
Plant Cover
Tools Cover
Owned or Hired in Plant

OFFICE
Employers, public and product liability
Business Interruption
Money
Fixtures and fittings
Electronic office equipment
Stock or samples

ENGINEERING
Working on site
Engineering Inspection
Public, Product and Employers Liability
Owned or Hired-in Plant
Business Interruption
Commercial Vehicle
Machinery
Stock

We welcome enquiries and regularly place insurances applicable to all trades:  

 

Professional Indemnity - Cover for Negligent Advice

Directors and Officers Insurance - For mis-management of the company

Fleet Insurance - catering for any type and number of vehicles

Haulage Fleet - niche cover for heavy vehicles

Health and Safety - Risk Management advice

Legal Expenses - Solicitor advice

Personal Accident and Sickness - Cover for illness or injury

Private Medical - Private hospital treatment

Terrorism - Cover for direct or in-direct losses as a result of terrorist activity


In addition, we also arrange policies for homeworkers, restaurants and takeaways, pubs & hotels, property owners, Farms and motor traders as well as unusual risks such as event organisers and consultants.