Care Homes
Package policies covering buildings/contents/residents' effects/ liabilities/malpractice/loss of revenue/cash/glass and sanitary fixtures. Extensions available for legal expenses, personal accident, owner's or manager's own contents, loss of registration, fidelity and engineering.

Computer Systems
Loss, damage or breakdown of computers and some related equipment, Including wiring. Extensions include reinstatement of data, consulting Engineer's fees, increased cost of working, replacement of software and Increased rental charges.

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.

Fidelity Guarantee
Policies designed to indemnify you against loss of money, stock and other property as a result of fraud or dishonesty by an employee. You can name key employees on the policy or have all employees included.

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.

Office Combined
Package policies suitable for many occupations such as Accountants, Estate Agents, Solicitors, and SoftwareDevelopers etc… Covers buildings, contents, computers, book debts, cash, liabilities. Extensions can include personal accident, fidelity and Legal Expenses.

Professional Indemnity
Primarily for professional people and specialists who provide expert advice and service to their customers. Errors and Omissions do occur and in this litigious environment such a policy is considered to be of paramount importance.

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 or bodily injury or loss or damage to property of members of the public (excluding employees).


Surgeries
Package policies typically for Doctors, Dentists, Alternative Medicines and Vets. Covering buildings/Contents/Computers/Drug Stocks/ Book Debts/Cash/Liabilities/Portable Equipment away from the surgery. Personal Accident, Fidelity and Legal Expenses available as extensions.

Travel
Business travel policies available for employees anywhere in the World on company business. Can also include personal holidays. Issued on an annual basis and usually requiring a declaration of the number of trips to calculate premiums.