As an independent Commercial Insurance Broker we can advise on and arrange a number of different Business insurances.
Depending on your business model – one, some or all of the below products may be relevant to your business.
Certain professions require this under UK Law to trade. This covers you should your client suffer financial loss from advice or design work you carried out for a fee.
Required under UK Law to operate a motor vehicle on UK roads. Covers third party injury and damage as well as damage to your vehicles.
Fleet GAP insurance
Covers the gap between the insurer’s settle of a total loss claim and the original purchase price of the vehicle. If leasing or the vehicle has a finance agreement then this policy can cover the amount you would owe the finance or leasing company.
Pays out to the company in the event of a key member of staff passing away. Could be used for example to pay costs to a recruitment company to head hunt a new staff member.
Directors & Officers Liability
Covers the Directors & Officers in a company. If a client suffers a loss due to the actions of a Director or Officer and cannot recover their costs by taking legal action against the company, they may be able to take legal action directly against a specific Director or Officer.
Can cover a wide range of risks from IT support costs to repair IT systems in the event of a virus or hack, costs associated with contacting clients if there has been a data breach to PR and reputational support to deal with the loss of reputation following a significant data loss.
Provides regularly schedule inspection of engineering equipment that could be dangerous if not properly maintained.
Group Personal Accident & Business Travel
Pays out to help the business with additional costs if a staff member is injured from an accident. For instance if they break their leg they may need a taxi to help them carry out their work duties.
Group Life cover
If you would like to know more please Call or email Stuart & Co to discuss your requirements.