- Buildings & Contents
Cover provided for theft, fire, lightning, explosion, aircraft, impact by animal, vehicle or falling trees, riot, civil commotion, material damage, vandalism, storm, flood and escape of water/oil. Cover for Accidental Damage can be included. (Charity Only)
- Business Interruption
Cover for the amount of loss resulting from activities at the premises being interrupted.
Cover can include:-
- Loss of income/gross profit
- Increased cost of working
- Loss of rent
- Book debts
Extensions can include - denial of access, failure of public supplies, specified disease and death of patron(Charity Only). - Public Liability
Covers your legal liability arising from your activities resulting in death or injury to members of the public and loss or damage to a third party. Cover can also be extended to include products sold or supplied by you. or property damage as a consequence of defects in a product supplied.
- Employer’s liability
If your organisation engages employees or volunteers you will require employers liability. This cover is compulsory for which you as employers are legally responsible by law. It is a legal requirement to have this cover. The organisation can be fined or an official imprisonment if not complied with. The standard limits of indemnity £10 million.
- Personal Accident
Cover for injury to employees or (volunteers – applies to charities only)) arising from accidents while working for the organisation. Pays a capital benefit for death/loss of limb and weekly benefits for temporary total disablement.
- Money
Cover can be provided for loss /theft of money on the premises, on the way to the bank, held at home and banks night safe. Cover also includes injury resulting from assault.
- Legal Expenses
Pays for legal costs and expenses and certain compensation awards arising from the following types of legal disputes:-
- Employment disputes
- Employment compensation awards
- Legal defence
- Property protection
- Bodily injury
- Contract disputes
- Tax protection
- Statutory license protection
- Professional Indemnity
Provides indemnity for legal liability, for costs or damages arising from any actual or alleged failure in the performance of professional services or breach of professional duty.
- Third Party Hirers Indemnity
Can provide cover at your discretion for legal liability for persons or organisations hiring the premises.
- Medical Malpractice/Treatment Risks
Medical Malpractice/Treatment Risks
Medical Malpractice/Treatment risks covers your legal liability to pay damages arising out of death or bodily Injury to a service user as a result of a negligent act, error or omission incurred in connection with treatment given in line with the organisation/business activities.
Extensions to this cover (dependent on insurer) can include:-
- Legal Defence Costs
- Court Attendance
- Personal Liability for nurses including proprietor nurses acting in an individual capacity
- Loss of Documents
- Breach of Confidentiality
- Computer Breakdown
Covers repair following sudden and unforeseen breakdown of computer and additional expenses for reinstatement or replacement data.
- Fidelity Guarantee
Provides indemnity against loss of money or goods belonging to or for which the organisation is legally responsible arising from the dishonest or fraudulent conduct of a trustee, employee or volunteer which is not reasonably recoverable form the person responsible.
- Directors & Officers
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- Contractors All Risks
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- All Risks
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- Business Travel
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- Engineering
Engineering Inspection & insurance
The purpose of this cover is not only to help you comply with Health & Safety law but also provide the opportunity to provide insurance cover in respect of Sudden & unforeseen damage & breakdown to plant & equipment.
There are a number of reasons why you may need this cover, these can be:-
- Electrical Wiring – Compulsory for certain establishments
- Lifting Equipment – Compulsory for lifting items including Stair Lifts, Hoists, Tail
- Lifts, Elevators etc
- Heating Boilers
- Electrical Equipoment – all items that require safety checks
For a quotation please contact us on 0845 130 30 34 - Products Liability
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