Complete Range

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Commercial Combined

Provides comprehensive business insurance under one convenient policy including Material Damage, Business Interruption, Glass, Money, Public, Products and Employers Liability and other optional cover including Terrorism and legal Expenses.

Commercial Legal Protection

Standard cover includes employment disputes and compensation awards, legal defence, property protection, bodily injury and tax protection.  Optional cover can include contract disputes and debt recovery.


Loss or damage to all types of computer equipment including negligent breakdown and the cost of reinstating data and increase cost of working. Cover can be included for portable equipment – lap tops, tablets etc worldwide.


Contractors working on site may find that the contract conditions make them responsible for the works, materials and plant, including hired-in plant on site. Contract works insurance provides cover up to the point when the certificate of completion has been issued or the prospective owner or tenant has taken possession. It is flexible enough to cater for a wide range of construction-related activities, such as building new private dwellings, refurbishing offices or erecting new industrial units. Cover can be extended to include public and employers liability, site huts, employees tools and show home contents.

Cyber Liability

An increasingly important cover in today’s technology dependent world.  Cover can include loss or corruption of data through a network security breach, computer virus or human error, crisis management and liability to third parties for breach of confidentiality.

Directors & Officers

Provides protection for directors and officers of a company where they are held personally liable for wrongful acts such as breach of trust or wrongful trading.  Cover can extend to include investigations into the company.

Employers Liability

An Employers Liability policy covers the legal liability of an employer for bodily injury or disease sustained by an employee and which arises out of and in the course of their employment.

Engineering All Risks

Loss or damage to engineering plant and equipment including breakdown cover where appropriate.

Engineering Inspection

By law many items of plant such as boilers, lifting machinery and even coffee machines must be inspected regularly by a qualified person.  Inspection arrangements in accordance with statutory requirements in respect of pressure plant and lifting plant.

Fidelity Guarantee

Loss of money or property as a direct result of acts of fraud, theft or dishonesty by an employee in the course of their employment.

Goods in Transit

Cover for the carriage of own goods (either by you or by a carrier) or haulage of third party goods.  Cover from the point of loading to unloading at the destination.  Cover can include transits by road, rail or post.

Group Business Travel

Covers frequent business travellers against loss of money, luggage and cancellation charges together with Personal Accident benefits and medical expenses.  Cover can be extended to include domestic travel.

Marine Insurance

Marine insurance covers physical damage to or loss of your goods whilst in transit by land, sea and air and can offer cost and cover advantages compared to insurance arranged by the shipping company.

Motor Fleet

Cover for all vehicles owned by a business on one policy.  Cover can be arranged for 2+ vehicles for varied cover and driver requirements and can include uninsured loss recovery and legal expenses.

Motor Trade Combined

Cover for businesses in the motor trade industry under a single flexible policy including cover for premises, contents, money, tools and vehicles together with liability and road risks cover.

Personal Accident/ Sickness

Provides capital sum and/or weekly benefits to principals or employees who are disabled by an accident or sickness. Cover can be on a 24 hour basis or restricted to occupational accidents only.

Product Guarantee/ Recall Contamination

The cost of replacing/repairing products that fail to perform their intended function together with the cost of recalling faulty products that have been accidentally contaminated or subjected to malicious tampering.

Professional Indemnity

Insurance for businesses providing professional services and advice such as solicitors and accountants.  Provides cover for claims made by customers for errors and omissions including legal costs in defending such claims.

Property Owners

Insurance that protects you against property damage, property owner’s liability and loss of rental income with flexibility to add optional covers such as terrorism, contents or employers liability.

Public & Products Liability

Insurance to protect firms and organisations against their legal liability for death or injury to members of the public or for the loss or damage to third party property.

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