Business insurance

All businesses face constantly changing risks especially for liabilities that they may incur.  It is important that such risks are regularly identified, reviewed and addressed.

We seek to truly understand your business and its exposures and approach insurers using professional presentations that ensure your business insurance needs are fully met. In addition, we have key complimentary services which include Health & Safety Consultancy and if the worst should happen, your own dedicated Loss Adjuster.

Employers, Public and Products Liabilities

We assist firms in meeting their statutory obligations in purchasing Employers’ Liability insurance for their liability for injuries that their employees may sustain in the workplace. Additionally, with guidance and the introduction of consultancy services to assist them with their health and safety obligations.

Although not generally a legal requirement, a prudent business will always insure against its legal liabilities for injury to members of the public or damage to their property arising out of the business activities or from products supplied. We can arrange such public and products liability covers to high limits of indemnity if required.

Product guarantee or recall insurance arrangements can be arranged in the event of contract requirement or, indeed, where the costs of recalling a faulty product would prove to be substantial.

Staff Risks

Staff always represent a major business asset and the loss of key members of staff (even temporarily) may result in major costs to a business.  We can provide advice and assistance on choosing an appropriate group personal accident and illness cover for all or key members of staff.  Such policies can be extended to provide protection to employees who are involved in business travel.

Directors and Officers

A common misconception is that being a director of a limited company in some way restricts the director’s personal liabilities. This is not the case – director’s personal liabilities are unlimited and in the course of carrying out everyday duties for a company, directors expose themselves personally to lawsuits, investigations and criminal prosecutions from such parties as shareholders, creditors, HSE, HMRC, to name a few. We arrange Directors and Officers Liability Cover to protect such individuals from personal financial loss as a result of their activities in running a business. Such cover is now vital for decision makers as the Companies Act now prohibits companies from providing indemnity to its directors other than by the provision of an insurance policy.