What you can Insure

Please note: all insurance policies contain terms and conditions and exclusions. The brief notes below are a general guide only

Business Assets

Covers loss or damage to your business assets, including buildings if owned by the business, through fire, theft, malicious damage, storm and flood, and earthquake.
 

Marine

Comprehensive cover for larger vessels (not pleasure craft), covers loss or damage to the vessel

Marine Cargo

Covers loss or damage to cargo carried by a larger vessel

Home, Contents, Personal Vehicles

including trailers, caravans and boats. We may not be the cheapest because direct-to-market insurers will often undercut us. But for your personal convenience, and to have our support at claim time, you may choose to have us look after all of your insurances so that you only have one point of contact for all your insurance needs, both business and personal.

Business Interruption 
​Loss of Business Profits

In the event of a claim under “Business Assets’, this cover replaces gross profit lost while your premises is reinstated

Business Motor Vehicles

Comprehensive
covers loss through fire, theft, malicious damage, accidental damage, accidental damage to third party vehicle or property, storm and flood, and earthquake.
 
Third Party Fire and Theft
covers accidental damage to another vehicle (but not your own vehicle) as well as damage to your vehicle if caused through fire or theft only
 
Third party only
​covers accidental damage to a vehicle or property owned by another party

Liabilities

This includes:
Public Liability - loss or damage to a third party’s property caused by your negligence
Professional Indemnity – loss caused to a client through advice you give which is incorrect, or where you omit advice you should have given
Cyber liability – losses caused through the hacking of your system, plus losses incurred by your clients through having their information stolen from your system

Goods in Transit

Covers loss or damage to goods while in transit by air, sea or over land

Construction

Covers losses from a building site while construction is in progress, also covers the partially completed construction itself, through fire, burglary, malicious damage, storm and flood, and earthquake.