COMMERCIAL COMBINED

Bespoke and flexible products which can be tailored to the specific needs of the customer.  Primarily for businesses in manufacturing, engineering, wholesale and warehousing.

Choice of All Risks cover or specified perils only.

GOODS IN TRANSIT

Goods in Transit cover for single or multiple vehicles suitable for Couriers, Furniture Removers, Haulage Contractors, Delivery drivers and those occupations where goods are being carried for hire & reward.

We can arrange a combined policy for the Goods in Transit and Public/Employers Liability if required.

Various levels of cover and options available.

INTERNET TRADERS – NEW

Tailor made product suitable for small Internet Traders and businesses without dedicated commercial premises, usually working from home, selling low volumes of stock via Internet sites or portals eg eBay. Cover available for Stock, Business equipment including computers, Public & Products Liability and Employers Liability, Business Money, Goods in Transit and Commercial Legal Expenses.

LEISURE SECTOR

Policies available aimed primarily at Hotels, Guest Houses, Sport and Social Clubs, Fitness Clubs and Gyms.

Can also cater for Public Halls, village halls, church halls and community centres, Dance Halls and Schools, Cookery Schools and craft schools.

Specialist cover for the leisure industry backed by outstanding customer service.

OFFICES AND SURGERIES

Flexible policies for professional offices and surgeries with ability to tailor cover to the business needs.

Suitable for most Trades including

  • Accountants
  • Estate Agents
  • Architects
  • Surveyors
  • Mortgage Brokers
  • Consultants
  • Veterinary practices
  • Alternative therapy surgeries
  • Doctors surgeries

Wide cover with many optional extensions to suit individual business requirements.

PRODUCTS FOR THE CARE INDUSTRY

DOMICILIARY CARE – Cover suitable for new ventures, one man or woman businesses through to large organisations. Comprehensively designed policy which meets local authority requirements and can cover activities ranging from personal care (including bathing and dressing), to the administering of prescribed or non prescribed medicines and night care plus handyman, gardening services and domestic help.

Features of the policy may include:

  • Public liability including treatment liability
  • Employers Liability
  • Professional Indemnity
  • Money
  • Legal Expenses

WHOLESALERS

We offer products designed for Wholesalers operating from commercial premises.

Standard cover can include:-

  • Loss or damage to Buildings and/or Contents
  • Cover at Third Party storage units
  • Trace and Access
  • Damage to Underground services
  • Material Damage to Property
  • Business Money & Assault
  • Business Interruption
  • Employers, Public & Products Liability
  • Commercial Legal Expenses

Optional covers also available with policies usually tailored to your individual requirements.