Business & Commercial
Cover for your people, premises, stock and liabilities. Sized to how your business actually operates rather than to a standard package.
Business Insurance
A combined package for smaller businesses, usually including property, liability and business interruption.
Buying each cover separately leaves gaps at the seams. A package written for how you actually trade covers the common exposures without four separate renewal dates.
What it covers, and what it does notFire & Special Perils Insurance
The standard commercial property policy — fire, lightning and explosion, plus named extras.
The base policy covers less than most people assume. Flood, storm, riot and impact are added by name, and if they were not added, they are not covered.
What it covers, and what it does notGroup Life Insurance
One life policy covering your whole workforce, usually without medical examinations.
Individual life cover is expensive and slow to arrange. Group cover protects every employee's family at a fraction of the cost, and is one of the few benefits staff genuinely value.
What it covers, and what it does notEmployee Benefits
Health, life and accident cover arranged as a package for your staff.
Recruiting and retaining good people is harder than it was, and benefits are one of the few levers that cost less than a salary increase and are valued more.
What it covers, and what it does notPublic Liability Insurance
Cover for injury or damage your business causes to members of the public or their property.
You can be liable for an accident on your premises or caused by your work even where you did nothing obviously wrong. Defence costs alone are significant, and they arrive before any finding of fault.
What it covers, and what it does notGoods-in-Transit Insurance
Cover for your goods while they are being moved, which a property policy does not reach.
Your property policy stops at the warehouse door and your motor policy covers the vehicle, not the load. Between those two sits every consignment you move.
What it covers, and what it does not