Business interruption insurance Loss of profits following fire including lighting and explosion Special perils (including aircraft, earthquake, riot, civil commotion, riot fire, malicious damage, storm, tempest, flood, burst pipes, sprinkler leakage, impact damage, subsidence, landslip, heave, spontaneous combustion, strikes and accidental damage). Extensions include:
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Commercial / Industrial - complete business protection
We act for a wide range of commercial business ranging from family run concerns to plc’s. We deal with insurers that can provide competitive premiums and wide cover no matter what the size of your company. Material Damage To protect all assets of the business including buildings, fixtures/fittings, plant/machinery, office contents, stock, customers goods/work in progress etc from/against loss or damage as a result of fire, lightning, explosion, aircraft, theft, riot, malicious persons, earthquake, storm, flood, escape of water, impact by vehicles or animals and accidental damage. Optional cover available for terrorism, subsidence and if applicable sprinkler leakage. Goods in Transit Whilst in transit within the UK via own vehicles and hauliers vehicles. Goods in Transit available for imported/exported goods to/from other parts of the world. Computer Breakdown Breakdown of key computers/equipment/plant. Increased Cost of Working/Reinstatement of Data following breakdown. Money Whilst in the premises (in & out of safe) and during transit to & from the bank. |
Protecting all types of business in the construction industry We specialise in creating comprehensive and cost effective insurance protection for property and construction businesses of all types and size. Contractors All Risks Provides cover for materials on site forming part of the contract works and can include owned and hired in plant and employees tools and personal effects. Contract works cover provided up to handover or as required by contract. Employers Liability Provides the business with cover against damages and legal costs that arise as a result of claims from employees suffering an injury or disease due to, and during, their employment. Material Damage Provides cover for the business’s material property for loss or damage as a result of Fire, Lightning, Explosion, Aircraft, Theft, Riot, Malicious Persons, Earthquake, Storm, Flood, Escape of water, Impact by vehicles or animals and Accidental Damage. Public and Products Liability Cover is provided in respect of legal liability to pay compensation including legal costs for accidental death or personal injury to any person excluding employees accidental loss or damage to third party material damage Performance Bonds A performance bond is a financial tool used to guarantee that in the event of a developer or contractor's default, funds are available to finish the construction or other project. This is usually required where the insolvency of a contractor during the period of the contract will most likely result in delayed project completion and additional expenses for an alternative contractor to finish the work. JCT 21.2.1 The Joint Contracts Tribunal (J.C.T.) Standard Form of Building Contract is in everyday use in the construction industry. Its provisions are extensive and include a number of clauses requiring insurance protection to be effected. 21.2.1 insurance protects the Employer in respect of any expense, liability, loss, claim or proceedings which they may incur or sustain by reason of injury or damage to any property other than the Works and Site Materials caused by collapse, subsidence, heave, vibration, weakening or removal of support or lowering of ground water arising out of or in the course of or by reason of the carrying out of the Works excepting injury or damage. |
Bespoke insurance solutions for your property portfolio If you're a managing agent with a portfolio of properties – whether residential or commercial – we can build a 'tailor-made' insurance programme to meet your individual needs. Typically this would include the property, income protection and liability insurance. Material Damage
Property Owners Liability
Employers’ Liability Protects employers against damages and legal costs which arise as a result of employees suffering an injury or disease due to, and during, their employment. |
