General Insurance
Home insurance
Your home is a prized possession that needs protecting. We can help you choose the most suitable home insurance policy for your needs and ensure your home is comprehensively covered and protected against under insurance.
Buildings
Buildings insurance covers the structure, fixtures and fittings of your property. This type of cover would cover the rebuilding costs and any fixtures. This is normally a precondition of your mortgage contract.
Sometimes a property may not be of a standard construction or may present a higher risk because of its proximity to a river or in an area prone to subsidence. We source a large range of insurers who offer specialist protection in these cases.
Speak to us and we will help steer you through the process.
Contents
Contents insurance offers cover against loss, theft or damage to personal and home possessions. You can also upgrade to protect against Accidental Damage.
Professional Indemnity Insurance (PI)
When providing professional services – whether as a business owner, self-employed or freelancer – there is a risk that a client could sue if they are not satisfied with the work delivered. It could be a mistake that resulted in a client claiming for any financial loss.
This cover is often pays associated legal costs too.
Employers Liability Insurance (EL)
This insurance is usually a legal requirement for a business that has employees. Failing to get cover can lead to substantial fines. If a business has employees (including part-time), volunteers, temporary volunteers and apprentices, EL is advised.
A policy will cover claims made by an employee against the business and may include compensation settlements and legal fees where applicable.
Injuries sustained while carrying work for the business or long-term illnesses due to the nature of the work carried out could also be covered by the protection plan.
Employers Liability insurance can also protect against future claims made by former employees.
Landlord / BTL Insurance
Being a landlord brings different challenges. Landlord specific insurance can provide against loss of rental income, some emergency protection and also protection against some of the costs of Legal disputes.
Public Liability Insurance (PL)
Many Companies and Trades People must invest in Public liability insurance before they commence trading.
Public Liability insurance offers protection for business owners in many circumstances arising from negligence or an accident at work.
