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Business Solutions

A new market-leading concept in the way risk management and insurance is delivered

This is new contract aimed at selected clients who are well known to the broker who have a strong commitment to risk management and would welcome the wide range of help and support we can offer.

This is a unique new product that offers "no quibble" cover backed up by a genuine commitment that we will retain rates for up to three years with no loss ratio criteria or cancellation clauses or other "get outs".

It is available on a two- or three-year fixed price basis to enable clients to benefit from the current soft commercial market and be able to budget for insurance costs with some certainty. As this contract is a three-way partnership between the client, the broker and us it strengthens relationships and allows us all to work in partnership whilst offering a market-leading product that includes:

  • Genuine fixed rates for two or three years with no loss ratio criteria or cancellation clause.
  • Cyber liability and data breach cover up to £250,000.
  • Commercial legal expenses up to £250,000 including debt recovery, identity theft  and personal tax cover for directors and partners.
  • Directors and Officers cover including corporate entity extension up to £500,000.
  • Pollution cover extended to include clean-up costs of £100,000.
  • Wide cover with virtually no warranties or conditions precedent to liability-simply that we can survey and suggest risk improvements (which we will do before cover starts) and that your client will providing information to make a claim and keep their values and estimates up to date.

Business Insurance

Our Business Insurance policy offers a flexible choice of cover to a wide range of businesses, from manufacturing and retail to the services and leisure industry. Standard cover includes:

  • Property damage and theft
  • Employers, public and/or products liability
  • Business interruption
  • Money
  • Goods in transit
  • Frozen food
  • Loss of licence
  • Legal expenses
  • Directors and officers
  • Computer all risks and breakdown
  • Engineering breakdown
  • Terrorism
  • Cyber crime
  • Data breach expenses
  • Cyber event - loss of business income
  • Data corruption costs

Property Owners Insurance

Our property owners insurance policy offers a flexible choice of cover specially designed to meet the needs of the Property Owner. Standard cover includes:

  • Property damage and theft
  • Employers and/or property owners liability
  • Loss of rent
  • Legal expenses
  • Directors and officers
  • Terrorism

Professional Indemnity

As well as getting Professional Indemnity cover, your clients will also benefit from the full range of added value risk management, health and safety and business continuity services that we offer to all of our clients. With tailored wordings to match your clients' needs we can offer limits of indemnity up to £10m on both a primary and excess layer basis.