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CRS Insurance Brokers
Supplementary Cover

Beyond the basics.

Your core policy covers the fundamentals. These are the supplementary products we layer on top — the ones most brokers leave out, and the ones that make the difference when it matters.

Guide 01 · Package

Cyber Insurance

First-party and third-party cover for data breaches, ransomware, business interruption and cyber liability. Tailored for SMEs in construction and manufacturing.

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Guide 02 · Package

Management Liability

Directors & Officers, Employment Practices and Corporate Legal Liability in one combined policy. Protects the people who run your business, not just the business itself.

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Guide 03 · Product

Trade Credit

Protection against customer insolvency and protracted default. Keeps your cash flow intact when a client fails to pay — critical for contractors with long payment terms.

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Guide 04 · Product

Motor Fleet

Motor insurance for businesses running multiple vehicles. Fleet terms cover cars, vans, and HGVs, with options for named driver or any driver.

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Guide 05 · Package

Commercial Legal Expenses

Covers legal costs for contract disputes, debt recovery, employment claims, and tax investigations. Sits alongside your main commercial policy.

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Guide 06 · Product

Motor Legal Expenses

Legal costs cover following a non-fault road accident. Used to recover uninsured losses and pursue compensation claims.

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Guide 07 · Product

Tools in Transit

Cover for tools and equipment in transit between sites and depots. The specific conditions vary by policy — ask us about what applies to how you work.

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Guide 08 · Package

Group PA & Travel

Personal accident and travel cover for employees on company business. Can be arranged as a group scheme or on a named individual basis.

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Guide 09 · Product

Performance Bonds

A bond that guarantees a contractor's obligations under a contract. Often required by clients as a condition of tendering, particularly on public sector and large commercial work.

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Guide 10 · Product

Insurance Backed Guarantees

A guarantee backed by an insurer rather than the contractor, protecting the end client if the contractor can no longer honour their warranty. Common on new-build and retrofit projects.

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