Material Damage
Coverage for physical assets. Typically: buildings, plant, machinery and stock.
Business Interruption
Protection of your business income when an event for which you are insured affects your normal level of business operation.
Commercial Motor Vehicle
Accident or theft cover for all those vehicles required to run your business.
General Liability
Covers you for damage to third-party property or personal injury.
Statutory Liability
Protection for your business against unintentional breaches of legislation such as Health and Safety, Resource Management, and Fair Trading.
Employment Disputes
Coverage for the legal and damages costs regularly incurred by employers for being deemed not to have been totally compliant with employment law when dealing with employees.
Professional Indemnity
If you are in the business of providing a service or advice in any form you will likely require professional indemnity insurance to protect against claims.
Directors & Officers Liability
Provides protection for directors and senior staff who may be subject to damages claims in connection with their duties to the business.
Cyber Risk
Cyber insurance offers protection in key risk areas from the ever-increasing threats of cyber-attack or cyber-fraud.
Marine
If you are in the business of transporting goods by sea, air, or road you will benefit from marine cargo insurance providing protection while your goods are in transit.
Contract Works
Cover for loss or damage to your construction projects or worksites during construction.