Insurance Broking

Our team have many years experience of placing a full portfolio of risks into the Lloyds, London, International and provincial underwriting markets. Such risks include, but are not limited to:

Property Damage

Cover for your buildings, contents and stock against loss or damage caused by fire, flood, burst pipes, theft, subsidence, leakages and other accidental damage. Cover can be extended to include contents whilst away from the premises, for instance laptop computers and presentation aids. Book debts can also be covered, particularly if manual accounting records are still utilised, as can theft of money by employees.

Terrorism

Is excluded as a peril on UK Property Damage policies, however can be underwritten as an extension by Property Damage insurers, or underwritten separately on a broader basis.

Business Interruption

Protection against the loss of gross profit and the costs of maintaining your business following loss or damage that has had an adverse effect on your ability to trade.

Employers´ Liability

A legal requirement that covers you for claims made against you by employees for injuries or illness sustained whilst at work.

Public/Products Liability

Protection against claims made against you for injury, illness or damage by third parties other than employees. Also provides protection against claims made against you in relation to goods or products that you have manufactured or supplied. Cover can also be extended to include Financial Losses incurred by third parties, arising from your actions; for instance, nuisance, trespass, obstruction or interference with rights.

Environmental Impairment Liability

Public/Products Liability policies only provide cover in respect of sudden and accidental pollution. Specialist policies are available to cover gradual pollution which is considered to be the major risk.

Professional Indemnity

Protection against claims made against all business as a result of advice and services provided to third parties.

Directors´ and Officers´ Liability

Protection for directors and senior managers against claims made against them by third parties.

Employment Practices Liability

Protection against claims made by past, present or potential employees alleging wrongful employment practices, including discrimination, harassment and working rights.

Charity Trustee Indemnity

Protects trustees in respect of their legal responsibilities whilst undertaking their duties and work.

Personal Accident

Provides protection against the impact of the death, disability or sickness of an employee. For the benefit of the company which can elect to pay it as an employee benefit.

Engineering

Fee based service provision and insurance for adverse effects on equipment, such as boiler and pressure, electrical and mechanical, and lifting and handling plant. Cover can be extended to include financial loss resulting from such failure.

Motor Fleet

Provides the legal requirement for insurance and can be extended to include cover through to fully comprehensive.

Medical Malpractice Liability

Protects members of the medical profession for claims alleging bodily injury or illness arising out of treatment and/or medical advice.

Institutes and Associations Liability

Indemnifies Associations, Institutes or Clubs for claims arising out of the advice and/or services they provide to their membership and/or the general public and indemnifies trustees, directors and/or officers in respect of their legal responsibilities arising out of their appointments.

Contact:

Martin Kay - General Enquiries
Martin Kay - UK Corporate Risks
John Fowler - Property and liability
David King - Professional Indemnity and liability


Political & Trade Risks

Given the huge volume of international and domestic trade as well as overseas investment in fixed and mobile assets, there is a continual and significant opportunity to provide risk management advice and transactional capability to clients and financiers operating in this field.

The unpredictable nature of political and economic risks can seriously threaten the stability of any business venture. We work with our clients to unlock their potential growth aspirations whilst managing, controlling and, where appropriate, transferring the risks of doing so to insurers and/or other financial institutions. With the wide choice of solutions available in the market, we apply our knowledge, skills and experience to provide clients with the full range of Political & Trade Credit Risk insurance coverage options including:

Contact:

David Howard - Chairman
Martin Kay - General Enquiries

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