bspoke commercial.

We recognise that no two businesses are the same and have developed this product to provide cover across a wide range of trades.

Key Covers

• Buildings and Contents cover, with Accidental Damage included as standard
• Glass cover included as standard
• Optional Subsidence and Terrorism cover
• Business Interruption cover
• Employers’ Liability – standard £10 million limit of liability
• Public and Products Liability – standard £2 million limit of liability with the option to increase to £5 million
• Money, Goods in Transit, Deterioration of Stock and Loss of Licence
• All Risks for Specified Items
• Fidelity
• Index Linking is available

Extras

• Tailor the covers to suit your customers’ needs
• Access to Legal and taxation advice service

Policy Enhancements

Included as standard with every quote on this product:

• Commercial Legal Protection, including Contract Disputes cover (£100,000 policy limit)
• Key Person, including Sickness cover
• Equipment Breakdown, including computer cover

Specially designed to cover your varied insurance needs with over 140 acceptable trades.

Key Covers

• Over 140 acceptable trades
• Public Liability with options of limits of liability of £1m, £2m and £5m
• Employers Liability – standard £10m limit of liability
• Cover for the Contract Works including free issue materials and offsite storage
• Own Plant
• Hired in Plant including continuing hire charges
• Tools

Extras

• Up to 20% No Claims Discount available
• Cover for non negligent damage (contract condition 6.5.1 or 21.2.1) may be available upon referral

Please contact one of our underwriters or the Head of Broker Development to discuss how you can access this product.

Flexible cover for commercial, residential and mixed use property risks.

Key Covers

• Property Damage covered on an All Risks basis
• Day one Buildings cover automatically included at 15% of Building Sum Insured
• Automatic Loss of Rent, up to 20% of Buildings Sum Insured
• Landlords’ Furnishings for £5,000 and Communal Contents for £10,000 included as standard with the option to increase.
• Property Owners’ Liability, £2 million as standard with the option to increase to £5 million
• Alternative Accommodation as standard for residential let properties, up to 20% of the Buildings Sum Insured
• Equipment Breakdown
• Tailor your cover with optional covers including:
• Employers Liability Cover
• Terrorism
• Subsidence
• Legal protection

Protecting small businesses, from sole traders to businesses with up to 12 persons.

Key Covers

• Public liability up to £5m limit of liability
• Over 300 acceptable trades
• Legal liability for work carried out by bona fide subcontractors

Optional Covers

• Employers’ liability
• Contract works
• Own plant
• Hired in plant
• Business equipment
• Tools, including option for overnight cover

Ideal for professional landlords, buy-to-let landlords and accidental landlords. 

Key Covers

• Buildings – Up to a total sum insured of £750,000 per location
• Contents – Based on the sum insured, up to a total of £50,000 per location
• Accidental damage cover is available for working or retired tenants
• Loss of Rent – 20% of the sum insured for a maximum period of 12 months as standard, with the option to increase term to 24 months, and or loss of rent figure to 30%
• Public Liability – £2,000,000
• Legal Expenses
• Loss of Metered water – £750
• Trace and Access – £5,000

Optional cover

• Legal expenses
• Introduction to home emergency cover provider

Developed to cover busy working offices.

Key Covers

• Building and Contents Cover
• Public and Products Liability £2 million with an option to increase to £5 million
• Business Interruption included on a gross income basis, up to £250,000 with an option to increase
• Lost keys, up to £1,000
• Trace and Access, up to £10,000
• Book debts, up to £5,000 with an option to increase
• Goods in Transit, up to £5,000 for any one claim with an option to increase
• Property whilst at exhibitions, up to £5,000

Extras

• Multiple locations
• Option to increase many standard policy limits
• Higher limits are available on request
• Access to Legal and taxation advice service

Policy Enhancements

Included as standard with every quote on this product:

• Commercial Legal Protection, including Contract Disputes cover (£100,000 policy limit)
• Key Person, including Sickness cover
• Equipment Breakdown, including Computer cover