Retail Insurance

Accidental Damage Insurance is designed for landlords and property owners. This type of insurance can protect your property and contents against one-off, unexpected incidents like spillages or breakages, covering the cost of repairing or replacing items.

Buildings Insurance is a vital cover for landlords and property owners as it offers protection to the physical structures of your property from fire, flood, and damage. This type of insurance covers the cost of rebuilding your property and replacing fixtures such as kitchen units and bathroom fittings.

Business Contents Insurance can protect your furnishings, fixtures, fittings, and trade stock against damage, loss and theft.

Chilled and Frozen Food cover is designed to reimburse you for the cost of any damaged stock should a refrigerator or freezer breakdown.

Directors’ and Officers (D&O) Insurance is a type of management liability insurance. If you are a director, you could face serious consequences if you are accused of violating your duties, even if you have not done anything wrong. You may be personally held responsible for any damages or losses incurred in such cases.

This is where directors' and officers' liability insurance comes in handy. It can provide coverage against claims brought against you for breach of duty, neglect, errors or omissions, and mis-statements in your role as a director or officer.

Such claims may be brought against you by shareholders, employees, customers, suppliers, creditors, and even competitors.

D&O insurance is now a fundamental aspect of any business risk management strategy.

Directors' & Officers' Page

Employee Dishonesty Insurance is designed to protect businesses against loss of money and property due to criminal acts by employees. It also covers deliberate damage to property, such as an employee punching a hole in the wall or smashing glass.

If your business employs one or more people, it is a legal requirement to have an Employers’ Liability Insurance policy in place. This type of cover offers financial protection against claims comprising employee injury or illness allegedly as a result of your business activities.

This type of insurance covers the cost of replacing shop glass or signage due to accidental or malicious damage, as well as the cost of securing such areas until replacement.

Goods in Transit Insurance covers goods being transported against loss or damage. This type of insurance is designed for couriers and furniture removers but can also be taken out to cover your own possessions.

Legal Expenses Insurance, also known as Legal Protection Insurance, covers the cost of defending any potential legal action brought against your business. Disputes may include employment issues, criminal prosecutions, debt recovery, tax concerns and contract matters.

Money Insurance covers cash and cheques including whilst in transit. Personal Assault cover may be included, which will provide compensation for you or your employees following injury during theft or attempted theft of money.

Our Motor Fleet Insurance policies are designed to cover all vehicle fleets from just two vehicles, comprising of cars, vans, specialist vehicles, and lorries for own goods use, haulage, self-drive or private hire. With access to leading UK insurers, we will search the market for the most suitable options, allowing us to deliver a range of cover options suiting all budgets.

Product Liability Insurance covers your business if you have supplied defected goods that have resulted in injury, loss, damage or harm to a third-party.

Public Liability Insurance covers your business for the cost of a claim made by a third-party that has allegedly suffered injury or property damage as a result of your business. Offering financial protection, you will be covered for the cost of compensation owed and any legal expenses incurred.

Stock cover is designed to provide a set amount of cover for your Stock. However, most clients will have seasonal increases in stock, for example during the Christmas period and therefore, a Seasonal Increase extension will automatically increase the stock insured sum by an agreed percentage.

Theft Insurance covers acts of stealing: burglary, robbery, and other theft. Burglary is defined to mean the unlawful taking of property within premises that have been closed and in which there are visible marks evidencing forcible entry. For theft to be defined as robbery, personal contact is necessary. Other forms of robbery include forgery and employee dishonesty.