Public Liability

Covers legal liability to pay compensation for bodily injury, illness or disease, or loss of or damage to third party property arising from the business activities, but excluding the Employers Liability risk. Click here for a Tradesman's Liability quote and arrange instant cover through iPrism.

Products Liability

Covers legal liability for bodily injury, illness or disease or loss or damage to third party property caused by products sold, supplied, serviced or repaired.

Employers Liability

Legally required by any person or business employing staff. Covers legal liability to pay compensation to employees for bodily injury, illness or disease arising from their employment.

Property Insurance

Covers buildings and or contents against loss or damage as a result of fire, theft, and a large range of other perils. The policy can often be extended to include "accidental damage" cover and also cover for items temporarily removed from the insured premises.

Business Interruption

Provides the insured with financial compensation following an insured loss under a property insurance policy. Cover is designed to protect the business from the additional expenses and or reduced profitability during the period following a loss.

Small Business Insurance

A package aimed at small businesses incorporating standard limits for the above covers in one competitively priced policy.

Marine and Inland Transit

Cover for loss of, or damage to goods being transported. Cover can be for any geographical area and include both imports and exports.

Motor Fleets

Motor cover with the flexibility to cover changes without prior notification to the insurance company. Especially useful to businesses with a larger number of vehicles.

Contractors

A package aimed at the building trade incorporating public and employers liability, together with all risks cover for tools, own or hired plant, temporary buildings and materials supplied.

Performance Bonds

A surety to protect the principal against the risk of default by the contractor.
 

Professional Indemnity

Protection against negligence claims arising from a breach of professional duty. All insurance brokers are required to have such cover.

Director's & Officers Liability

Provides directors and officers with an indemnity against wide range of potential legal actions that they could face in the course of carrying out their duties. The policy also protects a company against costs and expenses arising in connection with such actions.

Legal Expenses

Covers the legal costs, which may be incurred in defending or mounting an action relating to your business activities.

Financial Loss

Provides indemnity (normally as part of a public liability policy) in the event of incidents where there has been a financial loss but no physical loss or damage.

Engineering All Risks & Inspection

Cover for loss of or damage to plant and machinery. Breakdown cover can also be included. Engineering plant insurers will also conduct statutory inspections of qualifying plant in order to compile a written scheme of examination where necessary.

Consequential Loss (Engineering Breakdown)

Provides cover to compensate for the loss of production which may result from the breakdown of a vital piece of machinery. Necessary if the time required to repair or replace the machine is likely to significantly affect production.

Group Personal Accident (& Sickness)

Income replacement cover, which can be tailored to cover all, or specific categories, of employees if they are prevented from attending work as a result of accidental injury (or illness).

Permanent Health

Income replacement cover designed to provide income to retirement age in the event that injury or illness permanently prevents a return to work.

Fidelity Guarantee (Theft by Employee)

Provides cover in the event of theft by a trusted employee. References will be required for persons to be covered.

Annual Business Travel

An annual policy to cover the various risks which may arise from business trips abroad. This type of policy can also cover private trips of directors and their families.

Short Term Motor Insurance

Instant cover for cars and vans for periods of 1-28 days; underwritten by Royal & Sun Alliance. You do not need to own the vehicle; business use can be included and cover can be arranged instantly online by visiting Tempcover.com or calling 08707 87 35 35.