Business Insurance

					We cover most retail services such as shops and cafes. Our standard policy provides cover for public and product liability, business interruption and contents.

					Our office package ensures protection for all liability, property and professional services you may offer.

					

					Cover options include:
				

• Public/Product Liability
  The policy provides public and products liability cover. The standard duration of this policy is twelve months. Cover is provided to protect the insured against legal liability to pay compensation, claimants' costs and expenses in respect of accidental:

  • Bodily injury to any person (except as provided through an employers' liability policy);
  • Loss or damage to material property occurring in connection with the business
• Business Interruption
  The purpose of the cover is to compensate the insured for any loss of Gross Profit following an interruption to the business as a consequence of insured property damage. The standard policy duration is twelve months however longer term policies can be provided.
• Professional Indemnity
  Professional Indemnity Insurance provides protection for the client against any claim for which they may become liable, arising out of their professional conduct, neglect, error or omission as detailed in the policy schedule. The standard policy duration is twelve months.
• Employers' Liability
  The policy provides employers liability to protect the insured against legal liability to pay compensation, claimants' costs and expenses in respect of bodily injury sustained by employees arising out of, and in the course of the employment. The standard duration of the policy is twelve months.