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Tradesman

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A per capita product for businesses with up to 10 employees and providing protection for companies operating in a wide range of trades from carpet fitters to builders, electricians to mobile hairdressers. The policy can be extended to include Contract Works, Hired in Plant and Own Plant and tools.

Click on the links below to see the Product Features, or open Summary of Cover and Policy Wording PDFs.

Tradesman Policy Features
  1. Public and Products Liability up to £10,000,000
  2. Employers Liability £10,000,000
  3. 10m Height limit and 2m Depth limit as standard
  4. Up to 30m Height and 5m Depth (subject to trade)
  5. Indemnity to principles, stated as “Additional Persons Insured”
  6. Extension under Contract Works for Speculative Building
  7. Contingent Liability for BFSC (payments up to 100% of Turnover)
  8. Access to legal helplines provided as standard
  9. Option to include Tools and Business Equipment up to £10,000 per employee
  10. Option to include Own Plant, Hired-in Plant (including hiring charges) and Contract Works
  11. Option to include Temporary Employees
  12. Option to include more than two trades via endorsement
  13. Option to extend standard Treatment Risks
  14. Option to include Commercial Legal Expenses
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Retail

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Suitable for most types of retail business from butchers to newsagents and takeaway outlets to coffee shops the Retail Product provides solutions needed for today’s modern retail outlet.

Click on the links below to see the Product Features, or open Summary of Cover and Policy Wording PDFs.

Retail Policy Features
  1. Public and Products Liability – up to £5,000,000
  2. Employers Liability £10,000,000 included as standard
  3. Accidental Damage included as standard
  4. Contents up to £500,000
  5. Stock, including high risk stock up to £250,000
  6. Seasonal Stock increase included as standard
  7. Equipment breakdown cover; £5,000 deterioration of stock included as standard
  8. Business Interruption up to £1,000,000 per annum
  9. Money, PA Assault and Goods in Transit up to £10,000 each
  10. Commercial Legal Expenses £100,000 included as standard
  11. Option to include Buildings and Tenants improvements
  12. Option to include Loss of license
  13. Option to include Business Equipment Away from the premises, UK only
  14. Option to include Manual Work away liability
  15. Option to extend standard Treatment Risks
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Residential Property Owners

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Whether a single buy to let property, a large portfolio of properties or a block of flats the Residential Property Owners product will adapt to your customer’s needs and protect against damage and legal action with additional options for loss of rent cover and employer’s liability.

Click on the links below to see the Product Features, or open Summary of Cover and Policy Wording PDFs.

Residential Property Owners Policy Features
  1. Buildings up to £10,000,000
  2. Loss of Ground Rent (20% of rebuild value) included as standard
  3. Property Owners Liability up to £5,000,000
  4. Material Damage by Tenants up to £10,000 included as standard
  5. Commercial Legal Expenses £100,000 including Property Repossession Cover
  6. Option to extend Legal Cover for Rent Protection
  7. Loss of Rent
  8. Option to include Landlord’s Contents of Residential Units and Communal Areas
  9. Option to include Accidental Damage
  10. Option to include Subsidence
  11. Option to include Employers Liability £10,000,000
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Commercial Property Owners

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Whether a single property, a large business unit or an office block the Commercial Property Owners product will protect your customer’s asset against damage and legal action with additional options for loss of rent cover and employer’s liability.

Click on the links below to see the Product Features, or open Summary of Cover and Policy Wording PDFs.

Commercial Property Owners Policy Features
  1. Buildings up to £10,000,000
  2. Loss of Ground Rent (20% of rebuild value) included as standard
  3. Property Owners Liability up to £5,000,000
  4. Material Damage by Tenants up to £10,000 included as standard
  5. Commercial Legal Expenses £100,000 including Property Repossession Cover
  6. Option to extend Legal Cover for Rent Protection (for Residential Units only)
  7. Loss of Rent
  8. Option to include Landlords Contents of Residential Units and Communal Areas
  9. Option to include Accidental Damage
  10. Option to include Subsidence
  11. Option to include Employers Liability £10,000,000
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Restaurants, Wine Bars & Pubs

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A package policy designed for a broad range of clients within the licensed trade and restaurant sector. Cover can be enhanced to suit the requirements of the customer such as work undertaken away from the premises, late night opening and use of frying equipment.

Click on the links below to see the Product Features, or open Summary of Cover and Policy Wording PDFs.

Pubs & Restaurants Policy Features
  1. Public and Products Liability up to £5,000,000
  2. Employers Liability £10,000,000
  3. Contents up to £500,000
  4. Stock, including high risk stock up to £250,000
  5. Freezer contents for perishable goods £2,500 per machine
  6. Business Interruption up to £1,000,000 per annum
  7. Money, PA Assault and Goods in Transit up to £10,000 each
  8. Damage to Vending Gaming and Amusement Machines
  9. Damage to Property in the Open
  10. Option to include Work Away Liability, including outside catering
  11. Option to include Accidental Damage
  12. Commercial Legal Expenses £100,000 included as standard
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Hotels, B&Bs and Guest Houses

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A package policy protecting the small to medium sized hospitality establishments. The product is flexible so that various sections can be added depending on the needs of the individual business.

Click on the links below to see the Product Features, or open Summary of Cover and Policy Wording PDFs.

Hotels, Guest Houses and B&Bs Policy Features
  1. Contents and Business Interruption
  2. Damage to freezer contents up to £2,500 any one machine
  3. Business Money and Personal Accident Assault
  4. Glass Breakage
  5. Both Employers and Public/Products liability
  6. Commercial Legal Expenses
  7. Option to add Permanent residents own personal possessions
  8. Option to add cover for catering away from the premises
  9. Option to add Accidental Damage cover
  10. Option to add Subsidence Cover
  11. Option to include Business Equipment Away from the premises, UK only
  12. Option to add Loss of Licence
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Commercial Combined

Commercial Combined quotes can be obtained through our sister company Eaton Gate Commercial.

Contractors Combined

Contractors Combined quotes can be obtained through our sister company Eaton Gate Commercial.

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Broker Express Home

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A standard home insurance contract aimed at clients with a general contents sum insured not exceeding £75,000 and who do not require cover for higher value jewellery and valuable items. The policy can also include buildings cover. In addition Home Emergency and Legal Expenses are embedded at no extra charge.

Click on the links below to see the Product Features, or open IPID and Policy Wording PDFs.

Broker Express Home Policy Features
  1. Up to £7,500 Trace and Access cover, which covers the cost of removing and replacing part of the building to find the source of the leak
  2. Property Owners’ Liability and Occupiers’ Liability cover
  3. Option to add Accidental Damage cover
  4. Option to insure valuables and personal possessions away from home
  5. Access to a specialist UK-based home insurance claims team
  6. Alternative accommodation cover up to 25% of Sum Insured
  7. Money cover up to £500
  8. Freezer contents cover up to £500
  9. Personal legal expenses cover for a range of legal issues up to £50,000, with access to a 24-hour advice helpline included
  10. Home emergency assistance up to £3,000
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Home Plus

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Designed for evolving wealth clients who are looking for a more tailored home insurance contract, delivering higher levels of cover to protect their property and possessions. It is a contents driven policy with worldwide all risks cover. Starting at £75,000 general contents and an unspecified single jewellery and valuables limit of £15,000.

Click on the links below to see the Product Features, or open IPID and Policy Wording PDFs.

Home Plus Policy Features
  1. All Risks cover as standard
  2. Worldwide cover for contents
  3. Single article limits of £15,000 for jewellery & watches and £50,000 for Art, Antiques & Collectables
  4. Alternative Accommodation paid for up to 3 years
  5. Cover for trace and access up to £25,000
  6. Personal money covered up to £5,000, increased to £10,000 within a locked safe at the home
  7. Cover for contents in outbuildings as standard
  8. Cover for personal belongings of permanent members of the home whilst away at university, college or boarding school
  9. Legal expenses cover for a range of legal issues up to £100,000
  10. Home emergency assistance for up to £3,000
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Prestige Home

For clients whose General Contents exceed £150,000 and annual premiums are over £1,500 please contact our sister company Artsure.

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Terrorism

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A Material Damage and Business Interruption policy designed exclusively to cover loss or damage to Your Property resulting from an Act of Terrorism for properties located in England, Scotland, Wales, Isle of Man and the Channel Islands.

Click on the links below to see the Product Features, or open IPID and Policy Wording PDFs.

Terrorism Policy Features
  1. Terrorism cover is based on the wording of the Terrorism Act 2000
  2. Includes activities undertaken by individuals acting alone
  3. Select which properties to insure, with no obligation to include all locations
  4. Individual location Sums Insured in excess of £15m available on request

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The main problem with this great obsession for saving time is very simple: you can't save time. You can only spend it. But you can spend it wisely or foolishly.

Benjamin Hoff, The Tao of Pooh