Commercial InsuranceAs business insurance brokers, we can ensure that your organisation has all of the protection it needs
We know that organisations come in all shapes and sizes, facing a wide range of risks. That’s why we offer all our clients a free Insurance Health Check to ensure they have the appropriate protection for their needs. Here are just some of the commercial insurance policies we can help you to arrange.
Employers’ Liability Insurance is a legal requirement under the Employers’ Liability Act 1969. It was set up to cover any compensation costs, damages or legal fees that may be levelled at you if one of your employees is injured or becomes ill as a result of the work they do for you.
Public Liability Insurance gives your business protection should a member of the public be injured or their property damaged as a result of your organisation’s activity. Things can go wrong with even the most careful of businesses, and this could lead to claims that cost thousands of pounds.
Professional Indemnity Insurance (PI Insurance) gives your business financial support and protection if a customer claims that you have made a mistake or given them bad advice. With the right cover in place, you can meet defence or legal costs and any resulting compensation from the claim.
Cyber Insurance acts as a vital support system if your business falls victim to cyber crime, a risk that has grown in recent years. Organisations of all sizes therefore need to consider how they will cover the financial and reputational losses that result from a cyber breach.
Management Liability Insurance (or MLP Insurance) provides financial support in cases of alleged wrongdoing by employees, directors, officers and partners, or the business as a whole. It acts as a kind of ‘umbrella’ policy, featuring different types of cover that can be adapted to suit individual business’ needs.
Directors, officers and partners have additional responsibilities. They have the power to dictate investments, decide protocol, protect the workforce and manage pensions. D&O Insurance therefore provides vital financial protection in the event of a claim. It can cover the cost of defence and investigation as well as any resulting financial losses.
Sometimes the unexpected happens, and when it does, having Business Interruption Insurance in place can ensure that your profits and income are protected. If a fire breaks out on your business property, a storm causes operational downtime or a malicious break-in stops your business’ equipment from working, you could be forced to reduce or stop your work.
Handling multiple policies with different renewal dates and conditions can quickly become complicated and expensive, but with Motor Fleet Insurance you can add and remove vehicles and drivers from one central policy, cutting the hassle and reducing the cost as a result.
Commercial Building Insurance covers a broad range of property types, from shops and warehouses to factories and restaurants. Each one faces its own unique range of risks, which is why our experienced Commercial Team tailors policies to your unique needs.
To make sure you have the right insurance, call us on 0800 917 2274 and speak to one of our experts.