Manufacturing, wholesale & distributors

Public Liability insurance provides cover for damage or injury caused to a member of the public as a result of negligence on your part or on the part of your employees / representatives

Businesses that manufacture, supply, deliver or sell goods, even in the form of services or repairs, may need cover against claims of faulty goods causing damage, injury or death. Products liability cover provides cover for your legal liability in respect of this type of claim

Employers liability provides cover for claims taken against you by an employee who is injured in connection with his occupation.

Material Damage All Risks cover in respect of Contents & Machinery

In line with Health & Safety legislation, lifting equipment & pressurised equipment are deemed as “Statutory Items”. This means that they must hold current inspection certificates by an independent qualified person. Cover for these inspections can be arranged with insurer & the cover can also be extended to include Sudden & Unforeseen Damage to the equipment itself.

This cover is designed to cover you loss of profits / income, following a loss at your premises (e.g. fire). Many factors should be taken into account when calculating the correct sum insured, for example if you have specialist machinery there may be a longer lead-in time to get replacements.

This policy provides cover for your goods whilst in transit either to or from your premises. The policy can also cover goods sent by post. Whilst professional carriers do provide some cover, this is usually quite restrictive under their terms of trade.

This cover can be bought separately or it can be provided as part of a combined traders package. This policy allows for defence costs in respect of legal proceedings.