Business Insurance
At The Insurance Brokers we enjoy the challenge of helping our clients with complicated business insurance solutions as well as all the insurances which most businesses wish to have. Importantly, we really try to seek or create solutions within your budget.
ASSET PROTECTION INCLUDES PROTECTION FOR:
Buildings Burglary
Equipment Money
Furniture Vehicles
Stock Staff
Other Protection can include:
Group Medical
Group Pension
Travel
Construction "All Risks"
Key Persons
Computers
Goods in Transit
Marine Cargo
Marine Hulls
Aircraft/Airfreight
LIABILITY INSURANCES
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These Include:
Hotel Liability |
Property Owners Liability |
| Public Liability |
Directors & Officers Liability |
| Products Liability |
Professional Indemnity |
| Employers Liability |
Medical Malpractice |
All of these protect you against being Negligent in some way. They also pay legal defence costs if you are unfairly blamed for causing some injury, damage or financial loss to others.
In this way, if it is not your fault, the insurance will pay to defend you. Insurance will not pay if you FEEL responsible; only if you would be held legally responsible if the matter went to Court.
Premiums are usually based on the Annual Income of the Business (or Annual Payroll for Employers Liability). For a Hotel, the Premium might be charged on the number of Beds.
You select the Limit of Liability i.e. the Maximum amount of coverage purchased. You can expect to pay more for higher limits. You may also be asked to bear a Deductible for damage to Third Party Property.
Insurance companies are usually reluctant to offer Liability insurances unless they also insure the Assets of the Business.
For a Quotation, briefly tell us about your Business, and for what type of Liability you wish to have insurance.
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