Specialisms

Historically, Professional Indemnity Insurance was considered to be the ‘original’ professional insurance for solicitors and architects etc. However, with the professional services industry stretching far and wide, that is no longer the case and many individuals, and/or businesses, have smartly chosen to protect themselves for the professional advice and services they undertake on their client’s behalf.

This policy covers areas of legal action that would not be covered by general liability policies. It is important to also have this protection in place even post trading, therefore it is best to check with your relevant industry body as this is often a legal requirement to keep your policy active.

You may need Professional Indemnity Insurance if you:

• Provide expertise or advice to clients
• Have access to your customers confidential information
• Produce materials or products that could violate intellectual property rights

This policy protects the policyholder in the event of a buyer becoming insolvent or defaulting on payment which in turn, protects your cash flow. It gives you access to good quality information helping you make informed decisions when granting credit facilities to customers. It facilitates growth with security and allows you to deal confidently with new clients and extend credit lines to existing ones.

Insurance policies are designed to meet the needs of your business, but the capacity of your role can mean you need further protection. This policy is not for the company but for you, if you are a key decision maker such as member of a senior management team.

It covers you if you are found to be in breach of certain duties, helping to protect you from any claims made as a result of your decisions and actions. We can tailor this cover to provide you with peace of mind that your personal assets are protected, along with legal costs.

From seeing the first set of architectural drawings to turning the key in your completed home, we know how exciting but also how stressful it can be to manage your self-build project.

Self-Build Insurance is tailored specifically to meet the insurance needs of those individuals planning to build a new home or to undertake an extension or renovation of their existing dwelling house. 

The Self-Build policy can provide cover for:

• Loss or damage to the property caused by a fire, accidental damage, storms, floods, theft or vandalism
• Tools, equipment and machinery
• Temporary buildings such as huts, caravans or containers
• Employers and Public liability

Upon completion of your new home, we can then provide a quotation to cover your Private Dwelling House and Contents.

Whether you are an experienced market trader with a regular trading place or simply holding a single event such as a community fun day, our Event Insurance policy can provide cover for Public Liability and Employers Liability as well as cover for any equipment required at the venue to make your event a success. 

This policy can be tailored to provide cover for exhibitors, single events or multi event requirements providing the organiser peace of mind and let them focus on making all those who attend the event simply enjoy the festivities.

If you are involved in a group, club or committee, whether on a voluntary basis or an elected member of a board, our Voluntary policy will provide cover for the activities as well as providing cover for Public Liability and Employers Liability for any members of the group if this cover is required. 

We can also tailor your voluntary policy to include cover for:

• Any owned buildings
• Contents and equipment
• Annual fund-raising events

Cyber-attacks are becoming more common in our technology-driven society and it is imperative to ensure that appropriate protection is in place should the worst happen.

We can arrange cover for businesses on a standalone Cyber Insurance policy which counteracts the threats posed by hackers to your data, as well as protection for your brand. Cyber risks may consist of:

• Imitation Fraud
• Phishing
• Ransomware
• Extortion

We can assist in arranging protection so you can immediately respond to such an attack, as well as get assistance with ongoing costs such as:

• Overtime to rectify systems
• Liability lawsuits which the business may be subjected to

This policy will cover your computers, data and cyber risks and provide you with peace of mind in the event of this type of incident occurring.