Local Authority, Performance and Guarantee Bonds stipulated under contracts. Limited market through specialist firms

Book Debts
Also known as "Accounts Receivable". Less common as an individual policy as usually either included in or as an extension to Loss of Profits cover. After you have invoiced your clients, but before payment is received you may "lose" your records as a result of an insured event such as fire or theft. You may have duplicate records, but if not, the insurance may compensate you for your losses up to the sum stated on the policy.

Commercial Combined
General term for composite policy covering a selection of risks relevant to most forms of trade and industry. Select appropriate sections which include damage to buildings/stock/machinery, liabilities, loss of profits, cash, computers, goods in transit, legal expenses, glass, machinery Inspection and breakdown (see "Engineering").


Contractors' "All risks"
Contractors' "All Risks" Insurance for materials and works in progress during construction, extension or renovation work. Should automatically include JCT21.2. Cover is available for the insurance of own plant and separate cover will be available for hired-in plant under CPA Model Conditions of Hire. Extensions available to cover temporary site buildings, your own tools and those of employees whilst on site.

Contractors' Plant
"All Risks" cover on plant and machinery anywhere in the UK, owned, Hired-in, or hired-out. All or individual items of plant can be selected and Engineering Inspection cover is available as an extension.

Directors and Officers
Financial protection against allegations of executive mismanagement. Can include individual liabilities of Directors, Executive Directors and Officers of the Company, subject to a selected indemnity limit.

Employers' Liability

This is a statutory requirement and includes a wide selection of direct and indirect employees, whether paid or not. Providing an indemnity for legal liability in respect of bodily injury, death, disease, or illness sustained by your employees and arising out of their normal course of employment.

Engineering Inspection

Amongst the many items of legislation about the work place are the "Provision and Use of Work Equipment Regulations 1998" and "The Lifting Operations and Lifting Equipment Regulations 1998" The considerable numbers of items encompassed by these regulations require inspection/examination by a "competent person" every 6 or 12 months, depending on the item. But legislative requirements are not exclusive to these two recent examples and specialist Insurance Companies are able to provide inspection and examination services.

Legal Expenses
A VITAL part of any insurance portfolio in the current climate of red tape and litigation. Usually providing an indemnity of £50,000 for legal and other expenses incurred as a result of employment disputes, VAT disputes, Inland Revenue investigations, contract disputes, debt recovery, property protection and tenancy disputes. Also included is FREE 24 hour legal help line.

Personal Accident - Group
Group schemes for employees. Frequently for weekly benefits following accidents at work and to top-up Statutory Sick Pay.

Public Liability

Providing an indemnity in respect of the legal liability arising in connection with your business to pay damages as a result of death disease or bodily injury or loss or damage to property of members of the Public (excluding employees).

Product Guarantee

The cost of repairing or replacing products that fail to perform their intended function. Includes financial losses for which you are legally liable. Can be extended for product recalls caused by malicious or accidental contamination. Note this is a limited specialist market not available to all industries.