Property Insurance

Will provide cover for any accidental material loss or destruction to your interests at the premises used by you for carrying out your business, together with losses resulting from events such as fire, lightning, explosion, damage caused by aircraft, riot and malicious damage, earthquake, subterranean fire, storm, tempest or flood, escape of water, impact by motor vehicles, and theft following forcible and violent entry.

Employer’s Liability

This insurance provides cover against Legal Liability, should you become liable to pay compensation in respect of accidental bodily injury or disease incurred by an employee arising out of and during the course of their employment.

Public Liability

Insurance will provide cover against Legal Liability, should you become liable to pay compensation in respect of accidental bodily injury and/or accidental loss of or damage to material property incurred by third parties.

Group Personal Accident

This insurance will provide you and your regular employees payment of specified benefits in the event of an accident resulting in disablement or death, including related medical, surgical or nursing expenses.

Electronic Equipment Insurance

Will provide cover for sudden and unforeseen physical loss or damage to the electronic equipment, and/or external data media, occurring at the premises used by you for carrying out your business. Furthermore, you will be covered for a specified amount should any damages result from a total or partial interruption of operation of the electronic equipment.

Life Insurance (Business Loan Protection)

Loan Protection Insurance, also known as Decreasing Term Insurance, is often a minimum requirement when arranging a business loan. This cover is designed to reduce over the term of the policy, broadly matching the outstanding loan amount.  As any potential payout decreases over time, you will find the premium of a Loan Protection Life Insurance policy is cheaper than Level Term Life Insurance.