We advise on and arrange
all types of business insurance, some of which are listed below. If you are
looking for something not listed, we almost certainly do it. E-mail a
request - we will try and help.
You can easily spend over
£1,000 a year on insurance at home; a lot more than that at your business or
work. We can help you control it in the following ways:
Discussing with you ways in which
you are exposed to risk. While there is no point in insuring what is never
going to happen to you, not insuring something which could ruin years of
planning and hard work varies from a slight commercial risk to the downright
foolish, depending on circumstances.
Advising you on ways of managing and
reducing your risk. It can be surprising how often a slight change in work
procedures can reduce insurance premiums or make otherwise unavailable cover
possible at reasonable cost.
We have been professional insurance
brokers for many years. Whilst one can never pretend to know all about
everything, if we don’t have the experience of a particular feature, we know
someone who will have. We should be to your insurances what your accountant’s
advice is to your financial accounts. And you wouldn’t dream of being
without him!
We add value to what you buy from
your insurers and we know when they are being unreasonable in terms and
conditions or when they are charging too much for the risk involved. If
there is a more cost-effective solution, we shall be working to secure it for
you.
A brief list of what is available:
Cover your assets - buildings,
contents, fixtures & fittings, plant & machinery, contents, office
equipment, business machines etc.
Loss of profits - a fire could not
only destroy your things, it may take you a while to be up & running
again. Don't be without cover, it could ruin you and it doesn't cost a lot!
Liabilities - to employees and to
the public. And what about defective products or workmanship? One claim
against you could put you out of business and result in you being sued
personally (and possibly bankrupt). Don't let it happen! Ask us for details.
Directors' & officers'
liabilities. In today’s “I am infallible, it must be someone else’s fault”
blame society, this cover is becoming more and more essential.
Money - cash & cheques/money
orders etc.
Your fleet - vehicles, vessels,
aircraft.
Cargo - also know as Marine Cargo -
also known as Goods in Transit - by post, road carrier, sea, air, in your
vehicles. Special policies available for clients who perhaps don't know
something is on its way until it arrives........or doesn't!
