We offer a number of covers aimed at meeting all your insurance needs

Policies provide valuable protection against losses arising out of theft, property damage and liability or relating to business interruption, employee injuries and mechanical breakdown of particular machinery

Industrial All Risks Cover
The policy will cover material damage sustained as a result of accidental loss, damage or destruction unless excluded under the policy 

Business Interruption Cover
The policy aims to provide indemnity for loss of profits or income that you might sustain following an interruption of the business or interference therewith as a consequence of a loss which is covered under the Industrial All Risks Cover  

Electronic Equipment Cover
The policy covers your electronic equipment and/or any external data media against accidental loss damage or destruction including fluctuations of the power supply caused by lightning or electrical surges. The policy can also provide cover for reasonable costs that you might incur in order to reinstate lost data 

Public Liability Cover
The policy will provide cover against legal liability arising from the business and which you may become liable to pay in respect of accidental bodily injury or accidental property damage sustained by third parties  

Employers’ Liability Cover
The policy will provide cover against legal liability which you may become liable to pay in respect of bodily injury sustained by your employees and arising out of and during the course of their employment  

Money Cover
The policy will provide cover for loss of money from your premises, whether open or closed for business, or while in direct transit from your business premises to the bank. Cover is also available for any money whilst held in an approved safe, or while it is being held in a bank night safe  

Glass Cover
The policy will provide cover for accidental damage to the plate glass fixed at your premises due to various unforeseen events  

Fidelity Guarantee Cover
The policy provides cover for loss of money and other property belonging to or held in trust by you resulting from acts of fraud or dishonesty of any of your employees  

Goods in Transit Cover
The policy will provide cover for loss or damage to the property insured whilst in transit from the time of lifting until the time they are in position at their destination, including any loading and unloading  

Machinery Breakdown Cover
The policy is aimed at providing cover for a number of different types of machinery and plant whilst these are at work or at rest or whilst being dismantled for the purpose of cleaning or overhauling against sudden and unforeseen loss or damage in a manner necessitating their repair or replacement. The Machinery Breakdown policy supplements the cover already granted under the Industrial All Risks Cover  

Loss of Profits Following Machinery Breakdown Cover
The policy aims to provide indemnity for loss of profits or income that you might sustain following an interruption of the business or interference therewith as a consequence of a loss which is covered under the Machinery Breakdown Cover  

Deterioration of Stocks Cover
The policy is designed as a cover against deterioration of stock in cold storage due to a breakdown of the refrigerating plant / machinery or accidental failure of electrical supply which under certain conditions can cause the rise or fall in temperature or allow unforeseen escape of refrigerant gas  

This policy requires that a Machinery Breakdown Policy is in force at all times