Contractors/Contractors All Risks polices are bespoke packages put together for those in the manual sector.  It typically includes covers such Property, Liability, Hired in Plant, Contractors All Risks, Goods In Transit, Tools and Equipment. Cover for contracts under such clauses as JCT 21.2.1/6.5.1 can also be added.

Cover can be sought for a wide range of professions/trades to ensure you are fully protected from your Property and Contents through to Business Interruption, Liability, Money, Loss of Licence, Legal Expenses, Terrorism, Treatment Cover and more depending on your needs and trading style.

If you own a property, whether that be residential or commercial, and rent it out we can tailor a package to protect your assets.  Cover is available for all tenant types and those hard to place properties with flood risks, nonstandard construction, unoccupied, listed buildings, thatched roofs and more. We will tailor a package to your needs including covers such as Buildings, Landlords Contents, Loss of Rent, Terrorism and Malicious Damage. Whether this be one property or large portfolios we have the skills to put these together in a cost-effective package for your needs.

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If you run a garage or car sales we can put together the insurances for your needs to cover everything from your Property, Stock, Customer Cars, Test Drives, Hire Cars, Road Risks, Business Interruption, Engineering Inspection, Terrorism, Malicious Damage, Liabilities, Money and many more.

Should your business travel within the UK and abroad it is cost effective to put together an annual travel policy should anyone become ill, travel is cancelled, items are lost or stolen and more. Often extended personal travel cover is given for business owners if this is something you would like.

If you have items within your business that require statutory inspections an annual policy that pays for this to be done is extremely cost effective and takes away the stress of remembering to book each individual inspection. Cover can also be given for should you have machinery/computers that the business relies on and it breaks/is damaged including interruption cover for your business.

To protect your business against unexpected costly Legal Bills for items such as Employment disputes, Compensation awards, Property, Tax and more you can take out a cost-effective policy or extension to your package to cover these issues.

If you have a Limited Company this is often an overlooked cover that can protect the Directors, Entity and Officers and more.  It can be tailored to your requirements to include cover for Employment Practices, Pension Trustees Liability, Charities Trustees Liability and compensation awards that may be awarded as part of an ongoing dispute.

If your business provide advice or provides a professional service then professional indemnity insurance is important cover to have. Professional indemnity insurance can cover compensation and legal fees is a client sues your business for a mistake which has caused a financial loss.

In recent times, the threat of cyber attack on businesses has become more prominent so protecting your business against these attacks has become a necessity. Your Safe and Insured broker can advise you of the best forms of protection should you experience a cyber-attack.

Should a third party make a claim against your business for damage to their property or injury caused to them, public liability will protect your business against damage and legal costs that you may incur.  

If you employ any staff it is a legal requirement under the Employers’ Liability Act 1969 to have employers liability insurance in place. This covers your employees should they be injured or become ill as a result of their employment.