Commercial Insurance Cover
We have your business covered
Wherever you trade, whatever your trade, we provide cover for premises, equipment, stock, liability, business interruption, goods in transit and professional indemnity.
Why not give us a call on 028 7776 3242 and speak to a member of our experienced Commercial Insurance Team, alternatively fill out the contact form and we will get back to you when it is convenient.
The need to protect agricultural assets, income and legal liabilities creates a far more complex insurance purchase than once existed.
Building & Contracting Trades
This is another major line of commercial insurance business for us, particularly in the area of Contractors Liability. In addition, we are able to arrange Performance Bonds, Warranty and other Guarantee products.
Business & SME Sector
The basics are pretty simple – the need to protect Assets, Income and Legal Liabilities. However, the diversity of risk within the business sector and the range of available solutions invites a bespoke approach to the three basic needs.
We have markets for the full range of working vehicles from Taxis and Coaches through to Contractor’s Plant and Heavy Haulage.
The Engineering Insurance market will offer cover against Material Damage risks including Breakdown and also Business Interruption on many risks. Many businesses leave their means of production open to uninsured disruption by failing to consider this. Statutory plant inspection services can also be arranged.
Estates frequently present a range of insurance needs beyond the traditional country house and farm tenants. Diversification brings sports & leisure activity, holiday accommodation and alternative land use all requiring specialist insurance advice.
Owner operated single vehicles through to substantial fleets. Continental and specialist haulage markets available.
As with Pubs & Restaurants, nowadays the hospitality trade carries increased risks and liabilities which are best supported within an ongoing relationship with a local insurance broker. We have markets for the entire range from guest houses to large city and country house hotels.
The market for insurance products is constantly evolving and growing. We will explore with you the range of risks these businesses are exposed to and advise on available solutions in this dynamic market.
Public Liability – accidental injury or property damage suffered by third parties. Products Liability – for goods & products sold, supplied or repaired. Employer\’s Liability – for death or injury to employees in the course of their employment. This cover is a legal requirement for most businesses.
We can advise on Cargo Transit risks, Airfreight and Road Transit. In addition, we have Marine Hull and P & I placing facilities for certain classes of commercial craft (including fishing vessels).
Facilities available with all leading insurance markets, usually starting at a minimum of five vehicles. Highly competitive premium financing is available.
We supply insurance to the Motor Trade. A complete programme of cover for businesses requires a wide and complex range of insurances. We have the expertise to provide on-site advice to traders of all sizes.
We deal with a full range of the traditional and newer professions. Office or surgery premises, fee protection, IT protection, key person and professional indemnity risks all require individual consideration.
Property Owners & Developers
Our expertise spans the range from single premises to commercial estate management. One area frequently overlooked is the most effective means of protecting the rental income following insured loss or damage. We can advise on cost effective solutions.
Pubs & Restaurants
In addition to the conventional covers, this sector requires specialist advice on security, loss of licence protection and business interruption extensions.
Renewable Energy Sector
Insurance considered include wind, wave, hydro and bio-gas plus involvement with energy efficiency contracting works, ground heat and all other forms of green energy activity.
Even the largest retail risks can usually be accommodated within a keenly priced package – finding the correct combination of price & cover is our job.