Key benefits

• Any one location up to £10m with no referral
• Total Sum Insured up to £100m on referral
• Up to £10m turnover with no referral
• Working from home risks acceptable
• USA exports up to 10% total turnover without referral
• Public / Product Liability of indemnity up to £5m
• Unlimited number of locations subject to overall policy sum insured limit
• 1 hour new business referral service level agreement
• Up to £100k Cyber cover (optional)
• Engineering Breakdown up to £25,000
• Flexible Commission available

Risk examples within appetite

• Metal workers, Metal Coating & Precision Engineering
• Manufacturing (i.e. Metal, Electronics, Machinery, Plastics, Wood, Textiles)
• Tile, Pottery, Ceramic, Stone, Glass and Marble Products/Manufacturing
• Wholesale & Retail including Furniture, Carpets, Cosmetics, Food & Drink, Fancy Goods, Sports Goods and Office Equipment
• Office services including Software Developers, IT Consultants, Management Consultants and Training Consultants
• Social Clubs and Community Centres
• Printers – Specialist wording
• Breweries (Micro Breweries)
• Builders & Plumbers Merchants

Risk examples outside appetite

• Waste management / Recycling
• Leisure
• Foamed Plastics and Rubber Goods Manufacturers
• GRP Goods Manufacturers
• Industrial Laundries
• Chemical risks
• Fuel Distributors

Standard covers

Material damage

• Fire and perils included as standard
• Buildings including landlords fixtures and fittings, outbuildings, car parks and loading bays with the sums insured
• Office computers, software, stock and materials
• Additional metered water charges up to £10,000
• Trace and access up to £10,000 / 10% of the sum insured

Legal expenses (covered as standard)

We provide indemnity of up to £250,000 per claim for specialist legal representation and assistance for:

• Employment disputes & compensation awards
• Employment restrictive covenants
• Tax investigations & VAT disputes
• Legal nuisance, trespass or damage to property
• Legal defence
• Compliance & regulation
• Statutory licence appeals
• Loss of earnings
• Personal injury
• Claims involving executives
• Contract & debt recovery
• Crisis communication

Money (covered as standard)

• Loss of negotiable money (crossed cheques) £250,000
• Loss of money in transit / during business hours £5,000
• Personal injury (robbery) cover included

Optional covers

Business Interruption

• Prevention of access
• Exhibition cover up to £100,000
• Unspecified customers or suppliers within the EU, Norway, Switzerland and Iceland up to 10% of the sum insured or £250,000, whichever is the less
• Specified suppliers upon referral
• Failure of Utilities up to £250,000, any one loss
• Murder, disease
• Loss of business income resulting from damage covered under buildings, contents and stock
• Book debts of up to £250,000

Trade all risks

• Damage by any cause UK / EU or Worldwide

Goods in transit

• Accidental damage to property whilst in transit
• Includes loading, unloading and temporary housing
• Damage to containers, tarpaulins, ropes, chains and fastenings

Computer breakdown

• Additional rental charges up to £25,000
• Incompatibility of computer records up to £10,000
• Temporary repairs and / or expediting permanent repairs up to 50% of cost or £25,000

Employers’ liability

• Limit of indemnity £10 million
• Terrorism £5 million

Terrorism

• In respect of Material Damage and Business Interruption

Cyber

• Cover for investigation costs, data restoration, business interruption and extortion
• 3 levels of cover up to £100,000

Personal accident

• Capital benefits – £10,000
• Temporary total disablement preventing
• return to work
• £50 per week up to 5 years
• Temporary partial disablement preventing return to work £25 per week up to 5 years
• Medical Expenses up to £10,000

Theft by employees

• Limit of Indemnity (per claim) of £100,000