The following list of policies is in alphabetical order and extracted from the main GLOSSARY. It is not meant to be definitive, but will serve as a guide for reference when compiling your insurance portfolio.

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.

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.

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 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.

Shopkeepers Combined
Package policy for retailers usually including cover for buildings/stock/ fixtures & fittings, liabilities, glass, cash, loss of profits. Extensions for legal expenses, fidelity, goods in transit etc.


You can use this page for reference when finding the local intermediary best suited to advising you on your insurance needs.

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