Broker Express Products
Tradesman
A per capita product for businesses with up to 10 employees and providing protection for companies operating in a wide range of trades from carpet fitters to builders, electricians to mobile hairdressers. The policy can be extended to include Contract Works, Hired in Plant and Own Plant and tools.
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Tradesman Policy Features
- Public and Products Liability up to £10,000,000
- Employers Liability £10,000,000
- 10m Height limit and 2m Depth limit as standard
- Up to 30m Height and 5m Depth (subject to trade)
- Indemnity to principles, stated as “Additional Persons Insured”
- Extension under Contract Works for Speculative Building
- Contingent Liability for BFSC (payments up to 100% of Turnover)
- Access to legal helplines provided as standard
- Option to include Tools and Business Equipment up to £10,000 per employee
- Option to include Own Plant, Hired-in Plant (including hiring charges) and Contract Works
- Option to include Temporary Employees
- Option to include more than two trades via endorsement
- Option to extend standard Treatment Risks
- Option to include Commercial Legal Expenses
Retail
Suitable for most types of retail business from butchers to newsagents and takeaway outlets to coffee shops the Retail Product provides solutions needed for today’s modern retail outlet.
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Retail Policy Features
- Public and Products Liability – up to £5,000,000
- Employers Liability £10,000,000 included as standard
- Accidental Damage included as standard
- Contents up to £500,000
- Stock, including high risk stock up to £250,000
- Seasonal Stock increase included as standard
- Equipment breakdown cover; £5,000 deterioration of stock included as standard
- Business Interruption up to £1,000,000 per annum
- Money, PA Assault and Goods in Transit up to £10,000 each
- Commercial Legal Expenses £100,000 included as standard
- Option to include Buildings and Tenants improvements
- Option to include Loss of license
- Option to include Business Equipment Away from the premises, UK only
- Option to include Manual Work away liability
- Option to extend standard Treatment Risks
Residential Property Owners
Whether a single buy to let property, a large portfolio of properties or a block of flats the Residential Property Owners product will adapt to your customer’s needs and protect against damage and legal action with additional options for loss of rent cover and employer’s liability.
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Residential Property Owners Policy Features
- Buildings up to £10,000,000
- Loss of Ground Rent (20% of rebuild value) included as standard
- Property Owners Liability up to £5,000,000
- Material Damage by Tenants up to £10,000 included as standard
- Commercial Legal Expenses £100,000 including Property Repossession Cover
- Option to extend Legal Cover for Rent Protection
- Loss of Rent
- Option to include Landlord’s Contents of Residential Units and Communal Areas
- Option to include Accidental Damage
- Option to include Subsidence
- Option to include Employers Liability £10,000,000
Commercial Property Owners
Whether a single property, a large business unit or an office block the Commercial Property Owners product will protect your customer’s asset against damage and legal action with additional options for loss of rent cover and employer’s liability.
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Commercial Property Owners Policy Features
- Buildings up to £10,000,000
- Loss of Ground Rent (20% of rebuild value) included as standard
- Property Owners Liability up to £5,000,000
- Material Damage by Tenants up to £10,000 included as standard
- Commercial Legal Expenses £100,000 including Property Repossession Cover
- Option to extend Legal Cover for Rent Protection (for Residential Units only)
- Loss of Rent
- Option to include Landlords Contents of Residential Units and Communal Areas
- Option to include Accidental Damage
- Option to include Subsidence
- Option to include Employers Liability £10,000,000
Restaurants, Wine Bars & Pubs
A package policy designed for a broad range of clients within the licensed trade and restaurant sector. Cover can be enhanced to suit the requirements of the customer such as work undertaken away from the premises, late night opening and use of frying equipment.
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Pubs & Restaurants Policy Features
- Public and Products Liability up to £5,000,000
- Employers Liability £10,000,000
- Contents up to £500,000
- Stock, including high risk stock up to £250,000
- Freezer contents for perishable goods £2,500 per machine
- Business Interruption up to £1,000,000 per annum
- Money, PA Assault and Goods in Transit up to £10,000 each
- Damage to Vending Gaming and Amusement Machines
- Damage to Property in the Open
- Option to include Work Away Liability, including outside catering
- Option to include Accidental Damage
- Commercial Legal Expenses £100,000 included as standard
Hotels, B&Bs and Guest Houses
A package policy protecting the small to medium sized hospitality establishments. The product is flexible so that various sections can be added depending on the needs of the individual business.
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Hotels, Guest Houses and B&Bs Policy Features
- Contents and Business Interruption
- Damage to freezer contents up to £2,500 any one machine
- Business Money and Personal Accident Assault
- Glass Breakage
- Both Employers and Public/Products liability
- Commercial Legal Expenses
- Option to add Permanent residents own personal possessions
- Option to add cover for catering away from the premises
- Option to add Accidental Damage cover
- Option to add Subsidence Cover
- Option to include Business Equipment Away from the premises, UK only
- Option to add Loss of Licence
Terrorism
A Material Damage and Business Interruption policy designed exclusively to cover loss or damage to Your Property resulting from an Act of Terrorism for properties located in England, Scotland, Wales, Isle of Man and the Channel Islands.
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Terrorism Policy Features
- Terrorism cover is based on the wording of the Terrorism Act 2000
- Includes activities undertaken by individuals acting alone
- Select which properties to insure, with no obligation to include all locations
- Individual location Sums Insured in excess of £15m available on request
