Buildings
Owned premises, permanent fixtures and fittings.
Business insurance
What would stop the business on Monday morning?
Buildings are easy to point at. Lost trading time, a broken machine or goods stuck in transit are less obvious. We map how the operation earns, stores, sells and moves before comparing cover.
Policy sections
A business policy is assembled, not pulled off a shelf.
These are common sections, not a checklist. We look at the operation, contracts and insurer wording before recommending what belongs.
Stock
Goods stored, sold or used in production.
Money
Cash and the places where the business keeps it.
Business all risk
Specified business items used away from the office.
Business interruption
Lost income and extra working costs after insured damage.
Accounts receivable
Records supporting the book of accounts.
Plant, machinery and contents
Operating equipment, machinery and office assets.
Glass
Display, structural and functional glass at the premises.
Electronic equipment
Computers, tablets and specialist electronic equipment.
Fidelity
Specified losses caused by dishonest employee actions.
Personal accident
Benefits for specified accidental injury or death.
Vehicles and fleet
Commercial vehicles shaped around how the operation moves.
Specialist insurance
When the standard wording starts to creak.
Some operations need a market that understands the trade, cargo or exposure. We help find it and make the limits clear.
Garage
Motor trade and garage operations.
Trucking
Commercial vehicles and transport operations.
Marine and goods in transit
Cargo and specified marine risks while moving.
Hospitality
Accommodation, food service and related businesses.
Environmental risks
Specified pollution and environmental exposures.
Travel and gap cover
Selected personal and employee-related products.
Our working order
- 01Understand the operation
- 02Compare suitable markets
- 03Support reviews and claims