General Insurance

We are able to offer a complete range of competitively priced policies for both personal and commercial clients.

Business

Our Business Clients range from sole traders requiring a single policy to large companies with complex insurance needs. At a time when package insurance policies can be bought online it is important that you are aware of the scope of cover your policy provides and that any restrictions are highlighted rather than lost in the small print. As independent insurance brokers we are able to obtain quotations from a number of insurers and make a recommendation taking into account the cover provided as well as the most competitive premium.

• Property and Assets

Although a single package policy can often offer good value it is not always the case that the insurer who, for example, is the most competitive for your stock is also the best for your buildings. We are able to offer separate policies for various types of cover to ensure that you obtain the benefit of a more competitive premium for each.

• Loss of Profits

This type of cover is often included as part of a package but can overlook risks specific to your business. For example, although most policies cover loss of profit if your premises are damaged, would you be able to trade if there was damage at your only supplier’s premises? We are able to recommend cover beyond that automatically included under standard policies.

• Liabilities, Professional Indemnity, Directors & Officers

In the past most business liability insurance was restricted to Employers and Public Liability. Professional Indemnity was only thought to be necessary for Accountants, Solicitors and similar professions. Today many businesses provide advice and as more of the public are prepared to seek compensation, protection beyond Employers and Public Liability is often necessary to safeguard the liability of your company and its directors.

• Motor Fleet

If a business cannot operate effectively without their vehicles it is important that their insurers respond quickly when they are unusable as a result of an accident. Insurers who provide a prompt response to claims with access to approved repairers and courtesy cars are often as important as the insurer who offers the cheapest premium.

Personal

• Your Home Buildings and Contents including specialist policies for higher valued homes

Although many home insurance policies have adequate limits for valuable items to suit the majority of home owners they can be restrictive for Clients who have higher than average sums insured. A number of insurers now offer specialist policies for these types of home with generous limits for valuable items.

• Your vehicles including motorcycles and Collectors cars

Because of the many factors which affect motor insurance premiums it is not always the best option to insure all of your vehicles on the same policy.  We can carry out a comprehensive study of your requirements and offer the best contract or contracts to suit your needs including cover for Collectors cars.

• Personal Accident & Sickness

Whether you are a sole trader or a large company your business could suffer if an accident or illness caused a long term absence from work. Personal Accident & Sickness insurance pays an agreed amount which can be used to cover lost wages, the hire of temporary staff or any other expense that may arise. Policies can be arranged to cover selected staff only or all staff employed by the company as well as policies for individuals.

• Private Medical Insurance

Private Medical Insurance ensures that staff have access to prompt medical treatment. It also gives the flexibility to plan the most convenient time for treatment. Insurers offer a wide range of options which can be tailored to meet individual or company needs.

• Annual Travel

If you take more than one holiday a year it is often cheaper to consider annual travel insurance. If we arrange your home insurance we can also ensure that you are not paying twice to cover personal belongings which may be insured under both the travel insurance and home insurance. Policies are also available to cover staff that travel on company business.

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