What does Business Interruption cover?
This covers loss of trading profit due to interruption of the business arising from damage caused by an insured peril i.e. fire, flood etc., up to a typical period of twelve
months.
Is Public & Employers Liability Insurance included?
Yes Public Liability insurance is included up to a limit of £2,000,000 depending on Insurer, and Employers liability Insurance is included up to a limit of £10,000,000.
Can you provide cover for my stock in the back of my vehicle?
Yes, all of our policies include Goods In Transit cover. A standard limit depending on the Insurer is usually £2,500 cover per vehicle. However, higher limits can be
quoted for upon request.
Can you also supply quotations for Public Houses?
Yes, we have facilities with several Insurers to provide quotes for this type of property.
I’ve heard that by having Redcare alarm, this might reduce my premium. What is a Redcare alarm?
Redcare is a method of signally provided by British Telecom. This alarm system works on an active telephone line that allows full two-way communication when passing an alarm signal to an alarm receiving centre. The line itself is also monitored, so if cut, a signal is sent to the alarm receiving centre notifying them of the situation. Redcare GSM is a more effective method where the alarm signal is sent via both the phone line and by radio waves.
What other forms of security can lessen the risk of theft?
24 Hour CCTV, bars or grills on windows and roller shutter doors all lessen the risk of theft.
Do you offer quotes with seasonal increases in stock?
The majority of the Insurers we use automatically include this within their policies usually up to an additional 30% increase during the Christmas & Easter periods. Depending on the Insurer you select, the exact percentage will be stated on the policy summary.
How can I pay for my policy?
You can pay for any of our policies (subject to a deposit), by credit card, direct debit or by cheque.
Are there any forms to fill in?
No, all of our retail polices do not require the completion of a proposal form.
Who do I contact in the event of a claim?
Contact one of our claims advisors on 02920 881500 for prompt assistance and advice.