BUSINESS

We have sourced a selection of the highest quality, best value and most flexible insurance products to meet your specific business needs. Our business insurance experts have negotiated the most cost-effective deals on your behalf, and every policy is underwritten by a trusted insurance company.

Bonds and Guarantees Insurance

WHAT IS IT?
Bonds are a way of guaranteeing payment of a contract, or damages owed. If contracts are central to the way you work, this kind of insurance could be invaluable in protecting you against sudden and potentially devastating financial risks.

WHAT DOES IT COVER?

• Defaults by contractors
• Trade bonds for government departments and suppliers
• Customs and excise guarantees
• Warehouse guarantees
• Utility guarantees
• Performance and retention guarantees
• Advanced payment guarantees
• Bid bonds and maintenance guarantees
• Court and administration bonds, including liquidation and deceased estates

Contact us for the best deals on Bonds and Guarantees Insurance from our suite of insurance partners, as well as expert knowledge, risk assessment advice and claims support.

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Business Interruption Insurance

WHAT IS IT?
Whether it’s a technical failure, flood, fire, theft, or any unexpected interruption, a disruption to your daily flow of operations can cost you money, clients and business by the second. Business Interruption Insurance covers you for these financial losses, as well as the extra costs of getting back up and running.

WHAT DOES IT COVER?

• Lost profits during the interruption period (based on previous financial statements)

• Fixed costs, like operating expenses and salaries
• Expenses from setting up in temporary premises
• Training of personnel in unfamiliar replacement machinery or equipment
• Reasonable extra expenses beyond your everyday, fixed operation costs
• Civil authority matters, when your premises has to close because of curfews and street closures
• Contingent business interruption coverage, which pays out when you can't operate because your premises, or those of your suppliers or customers, are out of use (optional)

If you would like to speak to an expert about Business Interruption Insurance, or to get your personalised quote, contact us today.

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Commercial Vehicle Insurance

WHAT IS IT?
If your daily operations rely heavily on the use of vehicles, your business is vulnerable to the risk that one or more of your vehicles breaks down or is no longer functional. Damage, theft, breakdowns or accidents are common and can happen without warning, so Commercial Vehicle Insurance protects you against unexpected costs.

WHAT DOES IT COVER?

• Third party, third party fire and theft, or comprehensive cover
• Protection for a wide range of vehicles, from cars and vans to fleets and HGVs
• Payouts for injuries to other people
• Costs arising from damage to other vehicles 
• Fire
• Theft
• Medical expenses
• Accidental damage
• The cost of replacing a vehicle's contents
• Towing and labour costs

For expert advice about the level of cover that you need to give you complete peace of mind, and for the best value Commercial Vehicle Insurance products, contact us today.

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Credit Insurance

WHAT IS IT?
Credit Insurance protects your cash flow in the event that a supplier or customer fails to pay an outstanding debt, such as an invoice. This can happen for many reasons, including problems with their own cash flow, and is completely out of your control. Credit Insurance therefore minimises the risk of working with new, unknown parties as you are fully protected in case they fail to pay.

WHAT DOES IT COVER?

• Financial risks – A customer is unable to pay what they owe
• Political risks – Unexpected political situations prevent money being paid to you
• Covers a portfolio of buyers
• Pays an agreed percentage of an invoice or receivable that is outstanding because of long-term default, insolvency or bankruptcy

Don’t leave your business vulnerable to the unpredictable ups and downs of your partners, suppliers and customers. Get in touch for top quality and excellent value Credit Insurance coverage so that you can do business with confidence.

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Crime and Fidelity Insurance

WHAT IS IT?
Sadly, every business is open to the risk of theft, embezzlement and fraud, and smaller businesses often pay the biggest price because they can’t afford the same level of security measures. Crime and Fidelity Insurance protects your money and assets against criminal activity, helping you to manage the risks, recoup the losses and recover quickly in the event of an attack.

WHAT DOES IT COVER?

• Employee theft
• Forgery
• Alteration of data
• Theft of money and securities inside the premises
• Robbery or safe burglary inside the building
• Computer fraud
• Extortion
• Fraudulent funds transfers 
• Money orders
• Counterfeit money
• Cyber crime

You never know when you might fall victim to theft or fraud, so it pays to make sure that you’re covered for the worst case scenario. Contact us today for quality Crime and Fidelity Insurance products, the best value from our trusted partners, and expert advice from experienced professionals.

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Cyber Insurance

WHAT IS IT?
Cyber Insurance covers you for data breaches, when someone illegally accesses your IT system and manipulates or steals your customers’ personal details. This can not only cost your business a huge amount in legal fees and compensation, but it can also cause significant damage to your brand and reputation.

WHAT DOES IT COVER?
First party insurance covers you for:

• Loss or damage to your digital assets
• Disruption to your operations because a network goes down
• Extortion by third parties
• The cost of notifying your customers
• Damage to your reputation
• Electronic theft of money or digital assets

Third party insurance covers your customers:

• Security and privacy breaches
• Costs of investigating, defending and paying civil damages
• Multi-media liability to pay for defending defamation, breach of privacy, and negligent published matter (electronic or in print)
• Lost third party data, including compensation for denial of access and failed IT systems

Hackers are constantly finding new ways of breaking down security defences and no business is 100% safe. Contact us today and our insurance specialists will help you find the right cyber coverage for your business, at the best possible price.

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Directors and Officers Liability Insurance

WHAT IS IT?
Directors and officers often have to make complex, significant and difficult decisions, and they are not above making mistakes. D&O Insurance protects your business against this risk by covering the related losses and legal costs. It may be paid to the directors and officers, or to the company itself.

WHAT DOES IT COVER?

• The cost of defending legal proceedings
• Compensation costs from an unsuccessful legal defence
• Disqualification from a directorship
• Civil proceedings and legal damages
• Claims made by regulators and investors
• Claims made by creditors
• Claims relating to breaches of legislation
• Insolvency claims 
• Employee discrimination claims
• Defence costs from criminal and regulatory investigations into the company where the director or officer is not at fault
• Employment practices liability insurance (optional)

Get in touch today for an expert risk assessment, tailored advice from experienced insurance professionals, and the best quotes on D&O Insurance.

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Employers Liability Insurance

WHAT IS IT?
You are legally responsible for the occupational health and safety of everyone who works for you, from permanent employees to contractors, casual workers and temporary staff. This means that if anyone suffers an illness or injury as a direct result of working for your business, you could be required to pay compensation, medical costs and damages. Employers Liability Insurance protects your business in case of a costly compensation claim.

WHAT DOES IT COVER?

• Compensation and legal costs if an employee or former employee sues for a work-related illness or injury

The best thing you can do to guard against compensation claims from employees is to follow correct procedures, meet all health and safety regulations, and conduct regular risk assessments. Contact us today for specialist risk management advice, as well as the most cost-effective deals on Employers Liability Insurance.

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General Public and Product Liability Insurance

WHAT IS IT?
This coverage protects you against the risk that one of your products, or a product that you supply, causes illness or injury to a member of the general public. A small, unforeseen fault in a product that you design, manufacture, sell or give away can lead to dramatic fallout in terms of compensation claims and damage to your reputation, so it’s important to make sure that you’re covered.

WHAT DOES IT COVER?

• Compensation for personal injuries caused by a faulty product
• Loss of or damage to property caused by a faulty product
• Unforeseen circumstances, such as faults that you could not have identified

If you distribute a product but do not manufacture it, you will be protected against claims:

• For products that were already faulty when your received them
• Where you have provided clear safety instructions and warnings about misuse
• Where you have included terms for returning faulty goods to the manufacturer
• Where your supply contract includes product safety, quality control and returned goods 
• Where you have strong quality control and record-keeping systems in place

If you design, manufacture or supply a physical product, General Public and Product Liability Insurance is vital to protect your business. Get in touch today for world class advice and the best insurance products to give you peace of mind.

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Professional Indemnity Insurance

WHAT IS IT?
This coverage is particularly important for consultants, agencies, designers and coaches who offer advice, education or support services. If a customer or client believes that you have provided poor service, inadequate or misleading advice that has lost them money, PI insurance will cover the legal costs and expenses of a compensation claim. Without it, your business could take a serious hit in terms of fees and costs, as well as loss of income while you defend the claim.

WHAT DOES IT COVER?

• Your legal costs
• Costs of correcting a mistake
• Your intellectual property
• Payments for dishonesty, defamation and loss of documents

We have sourced the best deals on PI Insurance, just for you. Contact us today for expert insurance knowledge and advice, custom coverage to meet your needs, and exceptional value for money.

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Prize Indemnity Insurance

WHAT IS IT?
Prize Indemnity Insurance pays out if someone wins a prize through one of your marketing or advertising promotions, saving you from having to keep large cash reserves back to cover the cost of a potential win. This takes the risk factor out of running large-scale promotions, where there is a small chance that someone might win big, and frees up your cash flow.

WHAT DOES IT COVER?

• The value of the prize, as long as the chance of someone winning isn’t a certainty

If you’re not sure whether you need Prize Indemnity Insurance, contact us today for advice from the experts. We’ll find the right cover for you from our suite of insurance partners, and secure your coverage at the best rate.

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Terrorism Liability Insurance

WHAT IS IT?
If your business is impacted by an act of terrorism, this can be costly in more ways than one. Terrorism Liability Insurance covers you with financial compensation for property damage and personal injury, as well as related expenses and legal costs, so that you, your employees and your business can recover and move forward as smoothly as possible.

WHAT DOES IT COVER?

• Bodily injury (physical and mental), sickness, disease, shock or trauma to a third party
• The costs of investigating, appraising, defending and appealing any expenses related to terrorist activity
• Damage and destruction of a third party's property because of a terrorist incident, including removing debris
• Financial damages that you have to pay as the result of a claim

If you operate in an area that is or has been targeted by terrorists, or if your business has the potential to prompt idealistic objections from terror groups, talk to us today about Terrorism Liability Insurance and we’ll find the right coverage for you.