No matter how professionally a business is run, it will be exposed to risks on a daily basis. There are a number of insurance solutions to this problem.
Our business has a number of insurance solutions to this problem which can be broken down as follows:
This package combines a number of different covers in one easy policy. The policy is designed to cover exposures from Property Damage, Theft, Money, Business Interruption, Glass, Liability, General Property and Machinery Breakdown. In addition to this you can extend the policy cover to include Tax Audit Cover, Employment Practice, Employee Dishonesty, Statutory Liability and Transit.
This package is designed to cover Office related risks such as consultants, medical professionals and other professionals. The policy can cover exposure from Property Damage, Business Interruption, Theft, Glass, Machinery Breakdown, Electronic Equipment, Liability, General property, Employee Dishonesty, Tax Audit, Statutory Liability and Employment Practices.
This package is designed to cover the building and allied trades services and is aimed at the small business operatives. The policy can cover exposure from Property Damage, General Property and Liability. In addition Tax Audit, Transit, Statutory Liability and Employment Practices covers can be included.
If you own or operate a business and employ people, Workers Compensation insurance is compulsory. The policy will protect you, your business and your employees from every angle.
This insurance is designed to cover vehicles registered under the company name against damage, loss or theft. You have the ability to select between comprehensive, third party or own damage cover for single vehicles or fleets.
In a world where litigation is on the increase, it is imperative that you and your business are protected against litigation, damage to reputation and legal liability.
Do you or your company provide or offer advice or provide services in a professional capacity? This policy is designed to cover a range of actions arising from breaches of your professional duty.
Are you or your company involved in the Information and Communication Technology industry? Then you could be exposed to a number of risks including liability for the failure of your products, service or advice and infringement of registered design. This policy is designed to cover both your General Liability and Professional Indemnity exposures under the one policy reducing the potential gaps you may have if there are multiple insurance policies in place.
Company Directors and Officers can carry significant risks of personal liability whilst performing their duties. This policy is designed to cover those exposures and provide you with peace of mind.
Policies can be tailored to individual needs.
This is an inexpensive combination policy which protects both the personal wealth of the directors and officers in addition to covering the financial interest of the company. The policy has evolved as a comprehensive way to cover private companies and their directors and officers.
Cyber Insurance is tailor made insurance offering comprehensive cover for liability and expenses a business may face following a cyber-attack.
Are you operating in the Healthcare Profession or own/manage a medical establishment?
If so, Medical Malpractice Insurance is designed to cover liability claims arising from medical malpractice and resulting injury or loss to patients or clients.
Are you operating in the Publishing or broadcasting media either via the Internet or hardcopy? If so, Defamation Insurance should be considered. The policy is designed to cover unintentional defamation, unintentional infringement of intellectual property, unintentional false attribution of authorship and protection for invasion of privacy or improper disclosure of sensitive private facts.
Are you operating a not-for-profit organisation? This policy is designed to protect you against legal liability for events which may occur whilst conducting your activities or services. The policy covers professional indemnity, directors and officers, entity and employment practices liability cover.
The exposure in the construction industry can be varied and unless you have the correct policies in place, you could find yourself without cover when you most need it.
Generally builders have a number of policies open to them:
Contract Works Insurance including Third Party
The policy is designed to cover physical loss or damage to the works.
It will provide indemnity for insured parties which should include the builder, contractors and sub-contractors, principals and other interested parties such as financiers.
In addition to this you have the option to include additional covers such as:-
The Legal Liability Section can provide both Public Liability and Products (Completed Operations) cover.
You can select between an annual policy or purchase cover for a single project.
Workers Compensation
If you own or operate a business and employ people, Workers Compensation insurance is compulsory. The policy will protect you, your business and your employees from every angle.
Builders Warranty (Home Indemnity) Insurance
It is a requirement for all registered builders/tradespeople carrying out domestic works to carry this type of insurance. The policy is issued to the homeowner for protection against loss due to non-completion, defects and breach of statutory warranties by the builder. The policy is triggered when the builder dies, disappears or becomes insolvent prior to completing the home or rectifying any defects.
Contractor's Plant and Equipment
This covers construction equipment normally found at building sites or other construction sites. The policy is designed to cover the following types of plant/equipment:-