Business Insurance Offered at Our Consultants in Hackney, London
Catering to your needs is our objective, and that is why we offer many insurance options. Whether you need competitive household insurance, travel, business or life insurance, we have a policy that encompasses everything you need. Our experts are always on-hand to offer advice and guidance about our policies, and in addition to insurance, we also offer mortgage advice. Based in Hackney, London, covering all of the UK, we deliver you an exceptional service.
Residential Household Insurance and Landlord Property Insurance
This insurance option covers the loss or damage of contents in your property. The factors involved in this policy include, risk of fire, flood, theft, and many other risks. Your cover can be upgraded to include accidental damage.
In the event of an accident or another insured peril, you receive compensation for damage caused to your property from your insurance policy. This insurance is also ideal for landlords as your rent is covered when your property becomes uninhabitable due to an occurrence or an insured peril. When your tenant’s circumstances change unexpectedly, they may accrue arrears as they cannot pay their rent. To ensure you receive your rent, upgrade to our ‘rent guarantee’ service. Furthermore, we can also arrange cover for non-standard properties including thatched roofs, listed buildings, and non-standard construction.
Unoccupied Properties
A standard building insurance cover typically gives 30-90 days un-occupancy cover. However, there are situations, such as properties awaiting sale or grant of probate, where the properties are left unoccupied for a longer period. When this happens, unoccupied property insurance is required for your peace of mind. We can arrange this cover with full perils.
Travel Insurance – Single Trips and Multi Trips
We cover your medicals as well as baggage loss, cancellation, and travel delays. Holidays are enjoyable experiences, however, when you need medical treatment, or you lose your suitcase, your holiday can be ruined, and that’s why we provide travel insurance. This policy is designed to accommodate a variety of travel packages including, traditional single trip holidays, backpacking, and sporting and caravan holidays.
Boat Insurance (Small Craft)
Every type of vessel is covered in this policy, including but not limited to:
- Motorboats
- Sailing Yachts
- Speedboats
- Houseboats
- Fast Fishers
- Rigid Inflatables
- Sport Cruises
- Canoes
- Rowing Scuffs / Skiffs
- Jet Skis
- Windsurfers
- Barges
- Narrowboats
- Sailboards
- Kayaks
- Sailing Dinghies
Your liability is covered as well as theft, loss or damage to the boat and its engines and equipment.
Caravan Insurance – Touring/ Static/ Park
Your caravan, its contents, and its accessories are insured in the event of loss or damage.
Private Medical and International Health Insurance
These insurance policies are suitable for individuals, families, and businesses alike. The National Health Service™ (NHS) provides world-class health care for UK residents daily. However, due to the increased demand for healthcare, an increasing amount of people must wait 6 months or longer for non-life-threatening treatment. Therefore, private medical insurance is required. With private medical insurance, you receive immediate treatment without the long wait. The health plans are designed to meet your day-to-day healthcare needs as well as other wellness benefits to help you, and family to stay fit and healthy.
In any business, the employers and employees are the greatest asset, and that is why we provide a business health insurance package.
Our international health insurance policy is tailored to the needs of people who live and work abroad, and want quality healthcare. We have a selection of products for you to choose from that suit your budget and country of abode. You have direct access to some of the most established doctors and hospitals in the world, as well as receiving an excellent level of customer service.
INSURANCE FOR BUSINESSES
Please find below a comprehensive list of business insurance policies.
Commercial Property Insurance
This policy is appropriate for commercial, mixed-use, or un-occupied properties including:
- Buildings
- Loss of Income
- Business Interruption
- Commercial Property Owner’s Liability
- Employer’s Liability
Your property is protected against fire, flood, storm, and damage following burglary and other threats.
Commercial Combined Insurance
This policy encompasses complex risks that are not covered in other polices. This is a bespoke product that is tailored to your business needs. It is designed to cater for manufacturers, engineers, wholesalers and processing trades.
Packages for Small to Medium Enterprises (SMEs)
Please find below a comprehensive list of policies we offer to small and medium businesses.
Office and Surgeries Insurance
This single insurance policy is suitable for your office or surgery. This may include building contents, such as:
- Computers
- Photocopies
- Surgery Equipment
- Dental Chairs
As well as other general contents.
In addition to this, employer’s liability loss, loss of earnings, valuables, and increased cost of working are included in this policy. Most covers are optional, however as an employer, you are legally bound to have employer’s liability insurance for your company.
Shop Insurance
The insurance package provides cover for a retail building, its contents and stocks. It equally gives cover for valuables, public and employer’s liability, loss of earnings or increased cost of working. Whilst most covers are optional, all employers are legally bound to have employer’s liability insurance.
Estate and Letting Agents Insurance
Designed for estate and letting agents, this is a combined policy that includes:
- Buildings Contents
- Legal Liabilities
- Legal Expenses
- Business Interruption
- Specified All Risks
- Professional Indemnity Cover
The policy can be upgraded to include accidental damage for building and contents insurance.
Restaurants – Takeaways, Night Clubs, Bars, Pubs, Catering and Events
Created for food businesses, this insurance policy provides cover for employers and public liability, contents, stocks, and business interruption. Cover can be included for owner’s alcohol and late-night licence.
Hotels and Guest Houses
This policy ensures your B&B, guesthouse, or hotel has the appropriate insurance. The factors included in this policy are:
- Buildings
- Contents
- Legal Liabilities
- Business Interruption
- Loss of Liquor Licence Cover
For convenience, you also have the option to add accidental damage to your policy as well as ‘all risk’ cover that protects specific items.
Hairdressers, Barbers, Beauty Salon
This policy incorporates everything needed to protect your salon’s building, contents and stocks. This policy also covers:
- Valuables
- Public and Employer’s Liability
- Loss of Earnings or Increased Cost of Working
Most insurance cover is optional, however, as a business owner, you are responsible for ensuring that your establishment has the appropriate employer’s liability insurance. Cover is also provided for hairdressers and salon treatment risks.
Employer’s Liability
Employer’s liability insurance covers lawsuits resulting from death or injury caused to an employee at the workplace. This product is targeted at tradespeople, such as:
- Builders
- Carpenters and Joiners
- Painters and Decorators
As well as professionals including, accountants, surveyors, and teachers.
Liability Insurance
- Tradesman Liability Insurance provides cover for public and employer’s liability insurance.
- Public liability provides cover for accidents that can affect third parties such as members of the public, visitors, trespassers and sub-contractors against any unforeseen circumstances in order to protect them from financial implications, usually of being sued.
- Employer’s liability insurance covers lawsuits resulting from death or injury caused to an employeeat the workplace. This product is targeted at Tradesmen, such as builders, carpenters & joiners, painters & decorators as well as professionals like accountants, surveyors and teachers.
Event Insurance
When you plan an event such as a festival, wedding, village fete, exhibition, or a sporting fixture, it is important that you have the appropriate insurance. This insurance contains cover for public liability, equipment and cancellation.
Professional Indemnity Insurance – Medical Malpractice
This cover is needed in the event of a business providing negligent services or advice to a client. This product is aimed at anyone who offers knowledge, skills or advice to their clients, including:
- Solicitors
- Accountants
- Surveyors
- Insurance Brokers
- Doctors
- Dentists
Directors and Officers Liability
This insurance is valuable for your business when you have a director or key manager in a position of power within your company. The directors and key managers are protected from claims made against them for suspected wrongful acts.
BUSINESS CAR AND VAN INSURANCE - Minibus insurance, motor trade insurance
Please find below information about our business car and van insurance policies.
Business Car Insurance
Receive free legal assistance and uninsured loss recovery with this policy. This insurance policy class 2 and 3 is suitable for limited companies, partnerships, sole traders, and individuals.
Business Van Insurance
Do you use your van daily to travel to jobs? This class 1 policy is ideal for self-employed van drivers.
All driving options available including:
- Insured Only
- Insured and Spouse
- Insured and Named Drivers or Any Driver
This cover encompasses all types of vans including ice cream vans and hot dog dispensing units.
Minibus Insurance
The policy is usually targeted towards religious organisations that use minibuses for their day-to-day activities. In addition to charities, cover is also available for hire and reward, education and nursing homes. Minibuses with 9-17 seats are acceptable, with driving restrictions to drivers from age 25 to 70.
Minicab Insurance
Do you use your own car for private hire and reward? You can obtain a no claim bonus when you have claim free years of driving. The policy consists of free legal expenses and uninsured loss recovery.
Motor Trade Insurance
We consider all types of motor trade risks, so it does not matter what your occupation is within the motor trade industry! You may have a large dealership or a motor mechanics, it does not matter, we have the right policy for you. For amateur car salesmen and professional sales dealerships, we can consider cover which includes road risk/ and or premises risks.
Charity Insurance
For non-profit organisations, including all types of religious establishments. This insurance is relevant for:
- Places of Worship
- Charity Shops
- Charities
- Community Groups
Life Insurance
We advise and arrange cover for non-investment life assurance policies such as Term Life, Critical Illness and Permanent Health Insurance. These products are ideal for family protection as well as Loan and Mortgage protection.
In the Term Life cover, you receive a fee when a death occurs during the agreed term. The policy does not have an obligation fee if cancelled, and you still receive the agreed amount if a death occurs during the policy period. In a Level Term policy, the amount paid in the event of a death is fixed at the start of the policy. Alternatively, in the Decreasing Term, the reducing amount that is owed in capital and interest repayment mortgage is covered.
When a critical illness is diagnosed, a sum is paid to you from your Critical Illness policy. The list of critical illnesses includes but are not limited to:
- Cancer
- Heart Attack Stroke
- Deafness
- Cardiac Arrest
The Permanent Health Insurance, otherwise known as Income protection, pays out a regular income if the you are unable to work because of accident or sickness.
Loans and Mortgages
Our advisors are authorised to offer advice on:
- Secured Loans
- Residential Mortgages
- Buy-to-Let Mortgages
- Commercial Mortgages
Upon conducting extensive research of the market, our advisors provide advice regarding which mortgage plan is suitable for your requirements.
Contact our team in Hackney, London, to find out more about our business and life insurance policies.
Additional Links
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