Commercial Insurance


 

PROPERTY

Policies are available for a wide range of business, including :

 

Policies are available for a wide range of business, including :

RETAIL INSURANCE :

 

Retail Insurance Policies are designed for shops, wholesalers and some selected food outlets (excluding licensed premises).  As your Insurance Broker, we would look for a policy to cover all these sections, below.  Different insurers vary their covers according to the risk, but generally, this is what we would look for :

STANDARD COVERS generally include :

  •  Contents (All Risks including Theft)
  • Equipment Breakdown (including Business Interruption)
  • Glass
  • Goods in Transit
  • Specified Equipment away from the premises
  • Loss of money
  • Personal accident assault
  • Legal liabilities – Employers, public and products liability
  • Legal expenses

 OPTIONAL COVERS

  • Buildings (All risks)
  • Terroism
  • Loss of licence

 Need more details ?  Call Rob Fisher or Neil Willies on 0800 542 0672.

PROPERTY OWNERS POLICY :

Whether you're an individual with a buy to let property or a Commercial organisation which manages many commercial and/or residential properties, a sound and reputable Property Owners Policy is what you need.

Every portfolio is different but the key obligations to ensure properties are maintained and adhere to statutory legislation are common to all.

We can find and tailor a policy to include covers such as :

  •  Property damage for Buildings and/or Contents
  •  Loss of Rent
  •  Property Owners Liability
  •  Employers Liability
  •  Property Owners Legal Protection

 Call Rob Fisher, Neil Willies or the Commercial Team to talk through these covers  0800 542 0672.

 Other Commercial Property risk types :

  • Office Risk
  • Manufacturing
  • Warehouses

BUSINESS INTERRUPTION COVER
 
This type of cover provides your business with financial compensation following an insured loss and is designed to help the business return to a normal trading position as quickly as possible.  Cover can be provided in conjunction with Material Damage or as part of a Combined Policy.
 
Cover can be available on the basis of :
 
  • Gross Profit
  • Revenue
  • Fees
  • Rent receivable
  • increased cost of working
Cover normally includes :
  • declaration linked to profit, revenue or rent basis
  • professional accountants' charges
  • automatic reinstatement of loss
  • increased cost of working (where gross profit, revenue or fees are selected)
  • full payroll for gross profit and revenue
  Call Rob Fisher, Neil Willies or the Commercial Team to talk through these covers  0800 542 0672.

 

LIABILITY

Liability insurance for business is subject to constant review subject to

  • No Win No Fee legal advise
  • Ever updated Legislation
  • Increasing claims settlement costs
  • Higher limits of indemnity required

With our membership of Willis Commercial Network and links with Lloyds Brokers we have access to insurers who can quote for a wide variety of risks and with those insurers providing the best terms .

This includes

  • Contracting trades
  • Employers Liability
  • Public Liability
  • Products Liability (including automotive products or products sent to the USA or Canada)
  • Product Recall / Product Guarantee / Financial Loss
  • Medical Malpractice
  • Efficacy (failure of a product to fulfil its intended purpose)


    MOTOR 

We are able to arrange competitive insurance for all business motor insurance requirements including

  • Motor Fleet
         If your business owns several vehicles, then a Motor Fleet Policy is requried.
 
         Most Motor Fleet Policies can incorporate cover for :
 
         - Courtesy Vehicles
         - 24hr Recovery Service
         - repairs through an authorsied network
         - uninsured loss recovery
         - other added value services
 
Other motor related policies include :
  • Motor Trade
  • Commercial Vehicle
  • Business Car
  • Special Types / Agricultural vehicles.

We are able to support the motor insurance covers with market leading managed claims service for non fault and fault accidents including theft. - Full information available.

 

CLAIMS HANDLING / LOSS RECOVERY INSURANCE

We will always assist and handle your claim whatever the circumstances.  However, larger claims are very involved and time consuming and we find because fo this, clients may not always claim for their full entitlement under the policy. 

Commercial Loss Recovery Insurance provides you with your own Claims Expert to protect your interests.  Your claims expert will be a fully qualified Chartered Loss Adjuster who will ensure that your receive the best help possible and the most positive outcome.

A Commercial Loss Recovery Policy will give you the following benefits :

  • Quick Response at a time of crisis (within 24hours)
  • Dedicated Claims Expert to prepare, negotiate and present your claim
  • Save you time and disruption to your business and give you peace of mind
  • Negotiate the best settlement
  • Management of meetings and correspondence
  • Work with your accountants to prepare any business interruption claim
  • Arrange remedial works and surveyors

For peace of mind and to discuss this type of cover call Rob Fisher or Neil Willies on 0800 542 0672

 

 

Neil Willies Insurance Brokers Ltd is authorised and regulated by the Financial Services Authority. Our authorisation number is 305739