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Business

We have access to numerous insurance markets with various Insurers and the Lloyds market. We also use third party companies to ensure that they have adequate credit ratings.

Electrical Contractors, Heating and Ventilation, and Renewable Energy

We have access to specific policies designed around you and your trade activities. The policies include covers such as:

  • Inefficacy
  • Failure to supply to the National Grid
  • Financial Loss
  • Cover for property in the open i.e. Solar Panels
  • Financial Loss to Feed in Tariffs
  • Accidental Exposure to Asbestos
  • Optional Loss of Gas Extension
  • Optional Extension for Loss of Metered Water
  • Optional Professional Indemnity Extension
  • Optional Directors & Officers Extension
  • Optional cover for Damage to the Property Worked Upon
  • There is also the option of Interest Free Direct Debit available.

Shops, Offices and Restaurants

We have access to various Package policies through a number of Insurers to cover Shops, Offices, Restaurants, Pubs and Takeaways. These packages can include:

  • General Contents and Computer Equipment
  • Business Interruption
  • Money Cover
  • Goods in Transit
  • Stock Cover (including deterioration of stock and optional seasonal stock increase for busier periods)
  • Public & Products Liability
  • Employers Liability
  • Commercial Legal Protection
  • There is also the option of Direct Debit available.

Manufacturing and Wholesale

We have access to some specific policies tailored around you and your business. The policies can include:

  • Contents and Machinery
  • Computer and Electronic Equipment
  • Stock
  • Business Interruption
  • Employers Liability
  • Public & Products Liability
  • Goods in Transit
  • Money
  • Commercial Legal Protection
  • There is also the option of Direct Debit available.

General Contractors

Our General Contractors Insurance covers Builders, Roofers, Scaffolders, Ground Workers, Plumbing and Heating Engineers. We have access to various Insurers providing policies from Liability only for your ‘One Man Band’ to full Contract Work policies for your larger Main Contracting firms and everything in between.

  • Varying Limits of Public Liability available
  • Excess Layer policies available for cover required above £5,000,000
  • Employers Liability cover available
  • Cover for Contract Works available
  • Cover for your Own Plant and Tools available
  • Cover for Hired in Plant available
  • There is also the option of Direct Debit available.

Motor Trade Insurance

Our Motor Trade Insurance covers Car Slaes, MOT, Body Work and Service and Repairs. We have access to specific policies designed around you and your Motor Trade Business. The policies can include covers such as:

  • Road Risks
  • Contents & Machinery
  • Business Interruption
  • Employers Liability
  • Public & Products Liability & Servicing Indemnity
  • *No Claims Bonus protection available* (subject to certain criteria)
  • The option to control your own Motor Insurance Database (MID) changes
  • Any driver policies available
  • Statutory Inspection available for lifting equipment and ramps
  • There is also the option of Direct Debit available.

Fleet Insurance

Do you have a minimum of two vehicles?

We have access to many Insurers who provide both Business and Family Fleet Insurance. The policies can include:

  • Any Driver
  • Mix of Covers including Comprehensive – Third Party Fire & Theft – Third Party Only
  • Replacement Vehicle as New Under 12 months old
  • Reductions for Telematic Vehicle Systems Fitted
  • Reductions for Approved Cameras Fitted to Vehicles
  • Reductions for Good Risk Management Profile
  • Optional Legal Expenses
  • Conversion from Individual No Claims Bonus Rated Vehicles on to a Fleet Policy
  • Courtesy Vans as standard with some Insurers
  • There is also the option of Direct Debit available.

Property Insurance

Residential, Commercial, Industrial Estates, Blocks of Flats, DSS/Students or Unoccupied Property? We’ve got you covered. We have access to specific policies designed around you and your property. The policies can include covers such as:

  • Property Owners Liability
  • Loss Of Rent cover
  • Option to include Accidental Damage
  • Option to include Terrorism
  • Wide range of Perils Available on Unoccupied Property
  • Individual Property Certificates for Multi Locations can be requested from certain Insurers
  • Discounts can be available for number of properties on one policy
  • There is also the option of Direct Debit available.