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| Professional
Services |
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Usually covered under a Professional/Office
Package policy providing:
- Employer’s Liability
Legal Requirement
A
legal requirement for all businesses employing staff. Covers your
legal liability to pay compensation to employees for death, injury
or illness arising out of their employment.
- Public
Liability High priority
Covers
your legal liability to pay compensation for death, injury or
illness to members of the public at large or any loss or damage
to their property arising out of any business activity.
- Products Liability
High priority
Covering your
legal liability for death, injury or illness or loss to third
party property caused by or arising out of any product sold or
supplied.
- Property
Insurance (including Contents/Office Equipment) High
priority
Covers your Buildings,
Machinery, Contents and Stock. Choose between covering Fire and
Perils or All Risks cover can be extended to cover goods held
in trust, work in progress, goods in transit.
- Business
Interruption
Covering
your loss of Gross Profit and additional cost of working following
any insured loss.
- Money Insurance
Provides
cover for loss of money on or off the premises. Can be extended
to cover money in transit. Conditions may apply e.g. Safe.
Legal requirement:
High priority:
- Professional Indemnity
Covering your Legal
Liability for any breach in professional duty during your business
activities.
We also recommend:
- Commercial
Legal Expenses
Covering
the Businesses Legal Costs needed to defend or mount proceedings
in court.
- Motor
Legal Expenses
Covers
the costs incurred in pursuing a third party for costs following
a no fault accident.
- Fidelity
Guarantee
Covers
the business against fraud or dishonesty of employees.
- Group
Personal Accident & Sickness
Providing
the employees of the business with benefits if they are injured
or sick.
- Group
Private Health Insurance
Covering
the employees for private medical expenses and hospital fees.
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