Our scheme is flexible; offering a core cover range for your liability insurance plus optional covers for your office insurance available to suit your individual needs.
Our core cover range includes:
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Employers’ Liability cover to meet your business requirements (minimum limit £10,000,000 for any one occurrence or series of events)
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Public Liability cover from £2,000,000 to meet your business requirements
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Medical Malpractice (including clinical nursing) from £2,000,000
Optional covers:
For all your office needs, we provide the option to extend our core cover range so you can benefit from even more protection. The following cover options are available:
Office Contents cover
- all risks cover inclusive up to £5,000
- low policy excess of £50
- new for old cover on all items insured
- accidental breakage of glass and sanitary fittings
Bespoke cover
- personal effects of employees up to £500
- cover for key safes
- carers' NCD benefit
Business Money cover, including theft of money by care assistants
To protect your business cash our scheme includes theft of money by care assistants:
- business cash in transit up to £1,000
- theft of service users’ money or property by care assistants up to £50,000
- theft of business money by employees up to £7,500
Personal accident / assault benefit
Additional Cost of Working
This is an invaluable cover to ensure your business continues to operate efficiently following a loss.
Protect your business against loss of revenue or additional expenditure incurred, with cover of up to £25,000 over 12 months. This will help you to minimise disruption and resume normal operations following damage to your business. Higher limits are also available.
Cover is further extended to include Additional Cost of Working as a result of failure of public supplies and prevention of access to your property.
Buildings or tenants’ improvements
This is appropriate if you own or are responsible for the buildings insurance or wish to insure against tenants’ improvements:
- full accidental damage cover including breakage of glass
- low policy excess of £50 each claim
- accidental damage to underground pipes
- damage of buildings as a result of theft or attempted theft of contents
- subsidence cover
Terrorism cover