Independent Insurance Brokers

Commercial Insurance

Motor Fleet
From the smallest of fleets right through to the largest, we can find you the right package to suit your needs. We have access to the most competitive rates for all types of vehicles in your fleet.

Public & Employers Liability
As a business owner or employer, you have a legal responsibility towards your employees, customers and the public. Liability insurance is designed to cover you in the event that you are legally liable to compensate a third party claimant. We can provide you with professional advice on the cover and protection appropriate to your business.

Hotels
Our hotel policies cover many of the risks and liabilities associated with managing and running a hotel or guest house. Cover includes public and employer’s liability insurance, building contents and cover against theft, fire or accidental damage, business interruption and loss of licence cover. We also provide cover for stock including wines, spirits, food and tobacco, proprietor’s personal contents and money in a safe.

Public Houses
Landlords insurance covers many of the risks and liabilities associated with managing and running a public house. It provides employers’ liability insurance, building contents cover against theft, fire or accidental damage, business interruption and loss of licence cover. It can also include buildings insurance in the event of damage or destruction and often features extensions to include additional risks, such as vandalism, wilful damage, cover for live entertainments and cash in machines.

Shopkeepers/Surgery/Restaurant/Salon/Office Insurance
Working with specialist underwriters we can offer tailored public, products and employer’s liability insurance as well as business interruption, property damage, personal injury and teeth whitening insurance. We provide quality bespoke insurance at the right price.

Homeworkers
We can provide a package of insurance covers (including public and employer’s liability) designed to protect home based business against financial loss. There is currently an estimated 3.5 million home working professionals in the UK, which is set to rise.
Many domestic household policies will not cover important insurance requirements such as public and employers’ liability and business interruption.

Nursing/Care Homes
Cover can be provided for buildings, contents (including resident’s effects) liabilities (including malpractice and domiciliary care) and business interruption for your nursing/residential care home.

Commercial Combined
A Commercial Combined insurance policy is designed to meet your requirements enabling insurance products to be bought in sections for the risks to which your business is exposed to. Examples of the sections are:

• Employers’, Public and Products Liability 
• Material Damage 
• Business Interruption 
• Goods In Transit 
• Money

Contract Works
Contract works covers your contractual requirements to insure loss or damage to the works including materials on site. The goods and materials comprising the works will have to be replaced at your expense if you are uninsured. Covers are available for both residential and commercial builders and are tailored to suit the projects undertaken.

Professional Indemnity
Professionals selling knowledge or skills may consider professional indemnity cover. This protects a professional person from their legal liabilities to pay damages to anyone who has sustained a financial loss due to professional negligence in the conduct of their business.

Property Owners
If you own or manage agents with a portfolio of properties, whether for residential or commercial purposes, we can arrange the insurance you need. If you are a freeholder, leaseholder, mortgagee or owner, your premises represent a valuable investment that should be adequately protected.

Motor Trade
Whether you are a large dealership or small garage, we specialise in offering outstanding cover to Motor Trade businesses. We have access to a superior, comprehensive insurance product and provide top-quality service.

Goods In Transit
This insurance covers goods against loss or damage while in your vehicle or if sent by a third party road carrier. The sum insured may be a limit for each package, each vehicle or any one consignment.

Farmers Combined
Farms present a wide range of insurance demands including property, liabilities, vehicle and home insurances. We can cater fro any type of farm and any combination of animals.

Self Drive Hire
Insurers regard rental operations as extremely high risk. Having a broker who understands your business can help you with flexible and cost effective solutions for rental operators, whatever size and type of business.

Engineering Inspection
We can help ensure that your plant and equipment comply with the latest legislation by delivering an independent inspection service at extremely competitive rates.

This service makes sure that Statutory Inspection for items regulated under “The Provision and Use of Work Equipment Regulations 1998” (PUWER)and “The Lifting Operations and Lifting Equipment Regulations 1998” (LOLER) carried out by highly trained and competent engineers.

Directors’ & Officers
Directors are those working in a position of management responsibility,operating in a difficult corporate environment. Mistakes can happen in the course of running any business which may adversely affect shareholders, employees and other interested parties, any of which may pursue an action against you. Not only could you be held personally liable for your own actions, you could also be called to account for those of other members of the board and management. We can arrange a policy that provides the protection you need.