Credit
Cover can be arranged for all or selected customers and provides protection against the risk of non-payment for services and goods obtained under credit.

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 Breakdown
Specialist Insurers can provide cover for electrical or mechanical breakdown of all or selected machinery. Extensions may include loss of income as a result of the breakdown.

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.

Engineering Plant Damage
An extension of the basic covers under the standard insurance policy, this cover provides indemnity for sudden and unforeseen damage, including breakdown and collapse, as well as damage to surrounding property by insured pressure plant.

Goods in Transit
A variety of policies to cover your goods whilst being carried by contractors or in your own vehicles. Includes loading and unloading and should include cover for removal of debris following a claim. Should also include tools whilst being carried on the vehicle, but may need a separate extension and will carry restrictions in cover relating to theft. If you are using Hauliers, check their contract conditions especially the maximum value of goods in their possession.

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.

Lottery
To provide some financial support if a key employee or employees should resign after winning the National Lottery. The loss of a whole employee syndicate could have a devastating effect on your business.

Manufacturers Combined
Commercial Combined policy with many optional sections to include cover for buildings/stock and work in progress/machinery, plant, fixtures and fittings/computers/glass/money/loss of profits/book debts/ goods in transit/public, products & employers' liability. Additional covers for stock at customers' premises/legal expenses/engineering inspection, breakdown and plant damage. BE CAREFUL OF MINIMUM PREMIUMS APPLYING TO EACH SECTION OF THE POLICY AND BE AWARE OF THE DISCOUNTS AVAILABLE DEPENDING ON HOW MANY SECTIONS YOU CHOOSE.

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

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

Product Liability
Providing an indemnity for legal liability arising from products sold or supplied or services given or work undertaken in the course of your business. Frequently automatically included on small package policies for retailers, hoteliers, small builders and the like.

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