we also provide the following other insurance types:-

Business interruption

Cover is provided on an “All Risks” basis which is our widest cover, to protect your business in the event of any interruption following damage to your business premises.

We’ll also cover your cover you for any increased expenses or loss of income following:

• Damage to property in the area which prevents or hinders access to the premises
• Enforced closure of the premises on order or advice of the local authority due to specified human infectious disease at the premises (to a maximum of £25,000)
• Accidental failure of public electricity, gas or water supplies lasting not less than 30 minutes
• Accidental failure of telecommunication services lasting not less than 24 consecutive hours (to a maximum of £2,500)
• Loss of documents in transit

Book Debts

Cover for your books and accounting documents if they are lost or destroyed. Cover includes:

• a standard cover of £5000, which can be increased
• the cost of tracing and establishing how much your customers owe you
• the amount of any unpaid debit balances which cannot be traced
• professional accountants fees for producing information required under policy conditions in the event of a claim

Shop Contents & Stock

This covers you for the replacement value of all your furniture, fixtures, and fittings. Your stock will also be covered as will any equipment you use in the course of your business.

The additional benefits of this cover include:

• Seasonal increase of 30% for your stock
• Standard cover of £2,500 for stock in transit including exhibitions
• The changing of locks following any theft of keys up to a value of £1000

Glass

We provide cover for breakage (including the cost of boarding up) of all external and internal glass including sanitary fittings at the premises.

Cover includes damage to the contents of display windows, window and door frames up to £2,000.

Terrorism

Quite simply, you are covered for any losses as a result of acts of terrorism

Commercial Legal Protection

Cover for up to £500,000 in legal costs and expenses arising from specified civil and criminal incidents in connection with your business.

At your request, the Claims Administrator will negotiate for your legal rights in respect of legal cases including Legal Defence, Property Protection, Bodily Injury, VAT Disputes, Contract Disputes and Debt Recovery.

Commercial Legal Protection is an optional cover and would need to be selected for this cover to apply

Public & Products Liability

This gives you protection against your legal liability for any bodily injury to third parties and/or damage to their property including obstruction, trespass, nuisance, interference, wrongful arrest and eviction.

Cover extends to include:

• Legal liability for leased and rented premises
• Contingent motor third party liability arising out of the use of vehicles within the UK not owned by you
• Legal costs and expenses in defending prosecutions under any health and safety legislation of Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

Products Liability

This gives you protection for the supply of goods which through your negligence causes injury or damage. Cover is restricted to losses due to

• Sale or supply of non-medicinal food and drink
• Disposal of furniture and office equipment previously used in the course of the business

Employers Liability

This protection is against your legal liabilities for death or bodily injury to any of your employees up to a limit of indemnity of £10 million including costs and expenses.

The cover includes:

• Legal costs and expenses in defending prosecutions under any health and safety legislation of Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.
• Work experience and Government scheme trainees as they are deemed to be employees
• World wide cover for employees normally resident in the UK who are temporarily working overseas.

Money

Cover for loss of money belonging to your business or for which it is responsible.

• On the premises during business hours or in transit £2,500
• After business hours in a locked safe £1,500
• After business hours not in a locked safe £500
• At your or your employees' homes £500
• Loss of credit company sales vouchers, crossed cheques and other non negotiable forms of payment £250,000

Standard limits can be increased upon request.

Assault

Cover for bodily injury to you or your employees as a result of assault or attempted assault whilst carrying money belonging to your business. Cover provides the following benefits:

• Death, loss of limb(s) or eye(s) £10,000
• Permanent total disablement (from any occupation) £10,000
• Temporary total disablement (from normal occupation) £100 per week
• Temporary partial disablement £50 per week

Buildings or Tenant's Improvements

Cover is provided on an 'All Risks' basis, which is our widest cover and includes accidental damage.

You will also be covered for the full rebuilding costs following a loss if you own the property, or if you rent or lease your premises, the full costs of reinstating all of the improvements that you have made to the building.

Buildings or Tenant's Improvements is an optional cover and would need to be selected for this cover to apply

Professional Treatment Cover

Covers all the legal liabilities which may arise from errors made whilst carrying out professional treatments other than those which are your core trade.

Cover will be offered on the basis of our risk assessment of the treatment offered.