Business/Traders Combined
Protecting the needs of business combining essential protection for physical assets in addition to earnings and liabilities.
The physical assets of your business potentially comprise of:
- Buildings, landlords fixtures and fittings
- Tenants Improvements
- Office contents
- Computers
- Machinery & Plant
- Stock
- Goods held in trust or for which you are responsible
The obvious hazards any business faces are the risks of theft and fire. Additionally, standard property or material damage policies will insure you against storm damage, malicious damage and a range of other perils that can be extended to include accidental damage.
These perils are normally provided on package policies specifically designed for certain types of business, or alternatively available on a more bespoke basis to reflect the more complex nature of certain risks. Whatever type of policy, you can usually arrange property covers alongside liability, business interruption (also known as loss of profits revenue or earnings) and other covers
Package policies are available for:
- Shops
- Offices and Surgeries
- Property Owners
- Motor Traders
- Restaurants
- Public Houses & Wine Bars
- Residential Care and Nursing Homes
- Hotels & Guest Houses
- Social, Sports & Fitness Clubs
Bespoke Commercial or Traders Combined policies can cater for a multitude of other business including:
- Manufacturing
- Engineering
- Printing
- Import/Export
- Warehousing
- Product Research & Development
- Some IT risks
- Contractors
- Developers
Some of your assets may be exposed to different risks. For instance, you may have property in transit either to or from overseas or within the Islands/UK. You may have engineering plant that is exposed to a range of additional perils to those above. You may have a laptop computer in use away from your premises. We can help identify all the relevant property risks you face and arrange covers such as:
- Marine Cargo
- Goods in Transit
- Motor Fleet
- Engineering
- Contractors All Risks
- Glass
- Money
- Deterioration of Stock
Our extensive experience in these areas ensures that we source the most suitable competitively priced products to meet your requirements.
For more information, assistance or a quotation, please either contact us, complete an enquiry form or use the online phone me request.