Products

When an insured event stops you from trading, Business Interruption helps protect income and keep cashflow steady while you recover.

• Covers loss of gross profit/turnover (basis depends on policy)
• Can include ongoing costs like wages and rent
• Indemnity period matched to realistic recovery time

A packaged policy that brings your key covers together, built around your premises and how you operate.

• Often combines property, business interruption and core liabilities
• Can include tailored extensions for your trade
• One renewal and one set of documents to manage

Supports with legal advice and insured legal costs for common business disputes, subject to cover terms.

• Employment disputes and tribunal support (where included)
• Contract disputes and debt recovery support (policy dependent)
• Tax/VAT investigations (where included)

Designed for contractors to protect works in progress and plant exposure so one incident doesn’t wreck a job.

• Contract works and materials on site (cover dependent)
• Owned plant and tools
• Hired-in plant cover aligned to hire agreements

Helps you respond to cyber incidents and reduce financial impact from events like ransomware or data compromise.

• Incident response and recovery support (policy dependent)
• Options for cyber business interruption
• Liability and legal costs linked to data/security incidents (where covered)

Protects directors and senior managers against management liability claims, subject to policy terms.

• Defence costs for covered allegations
• Claims linked to management decisions
• Useful for growing firms and contract-heavy businesses

Built for pollution and contamination risks, including clean-up and third-party claims where insured.

• Remediation and clean-up costs (policy dependent)
• Third-party injury/property damage from pollution incidents
• Particularly relevant for ground exposure and hazardous materials

Adds additional limits above your underlying PI or liability policy when standard limits aren’t enough.

• Excess layers over Public/Products Liability
• Excess layers over Employers’ Liability
• Excess layers over Professional Indemnity

If a financed vehicle or asset is written off, GAP helps cover the shortfall between insurer settlement and outstanding finance.

• Designed for leased or financed vehicles/assets
• Options depend on finance type and asset value
• Helps protect cashflow after a total loss

Protects goods, stock, materials or tools while being transported, subject to policy terms and security conditions.

• Loss or damage in transit (cover dependent)
• Theft from vehicles (subject to security requirements)
• Loading/unloading incidents (policy dependent)

Employee benefit cover that can provide financial support if staff are off due to accident or sickness.

• Lump sums for accidental injury outcomes (policy dependent)
• Weekly benefits during absence (if included)
• Can be tailored by role/risk category

Supports new builds and major works by covering defined structural defects after completion, subject to warranty terms.

• Often needed for sales and lender requirements
• Term length depends on the warranty product
• Typically requires project details and build standards

One policy covering multiple vehicles, designed to simplify admin and keep cover consistent as vehicles change.

• Multi-vehicle cover under one renewal
• Flexible add/remove vehicles through the year
• Tailored driver and vehicle arrangements (subject to underwriting)

Specialist contract-required cover for damage to existing structures where negligence is not established, subject to wording.

• Common on refurbishments and alteration works
• Structured around project scope and contract requirements
• Needs coordination with other project covers

A straightforward package for office-based businesses covering the essentials without complexity.

• Office contents and equipment (cover dependent)
• Options for business interruption and money cover
• Suitable for single or multiple office locations

A financial guarantee to clients that contractual obligations will be met, often required to win work.

• Bond value and wording aligned to contract requirements
• Underwritten through surety providers
• Typically requires financial and experience information

For businesses taking design responsibility, protecting against allegations of negligence and design error.

• Claims for error/omission in design work (subject to terms)
• Defence costs for covered allegations
• Wording should match your contractual responsibilities

Protects buildings and contents against insured damage and can include options for lost income if the premises can’t be used.

• Buildings and/or contents (cover dependent)
• Loss of rent or business interruption options
• Security and occupancy impact terms and pricing

Core liability protection for claims involving third parties, products supplied, and employees.

• Public Liability for third-party injury/property damage
• Employers’ Liability for employee injury/illness
• Products Liability for claims arising from products supplied/installed

Designed to fill the terrorism gap often excluded under standard property policies, subject to defined insured events.

• Property damage from insured terrorism events (as defined)
• Business interruption linked to covered damage (where included)
• Often arranged alongside property programmes