Our policies cover Buildings & Contents, including Fixtures and Fittings, Swimming Pools, Walls, Gates Fences, Patios Terraces, Car Parks, etc. (and including subsidence in most cases), Trade Contents including Guest & Employee Effects, Household Contents, and including theft by unforced entry, Specified and Unspecified Personal Effects & Bicycles, Stock in Trade including Wines & Spirits, Cigarettes, Cigars & Tobacco, Frozen Food.
These amount of cover for the above items is tailored to suit your precise requirements, as every business has different amounts of risk. In addition, our policies include the following standard cover amounts which can be increased if required:
These amount of cover for the above items is tailored to suit your precise requirements, as every business has different amounts of risk. In addition, our policies include the following standard cover amounts which can be increased if required:
| Liabilities | |
| Employers Liability | £10,000,000 |
| Public / Products Liability (can be increased to £5m if required) |
from £2,000,000 |
| Loss of Income (Business Interruption) & Book Debts |
|
| Loss of Income | from £250,000 |
| Book Debts | from £10,000 |
| Goods in Transit | |
| Goods in Transit | from £2,750 |
| Money | |
| On premises during business hours | from £3,000 |
| In transit | from £3,000 |
| In a bank night safe | from £3,000 |
| Excesses | |
| Excesses vary by insurer and will be advised with written quotations. |