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CRS Insurance Brokers
Supplementary Cover

Beyond the basics.

Your core policy covers the fundamentals. These are the products that sit alongside it. Not all of them will be worth it for your business, so ask us which are.

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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What any of these actually cover depends on the wording, limits and exclusions of the policy you end up with. Nothing on this page is a summary of a specific policy.