PRODUCT INFORMATION

Commercial Combined
An inclusive policy combining liability, goods in transit, goods in trust, money cover, assault, business interruption, book debts, glass and plate glass, buildings, stock, office and computer equipment. Possibly other covers can be added as required. Designed for general business where the business type is relatively standard and non-hazardous.
Property Owners
Buildings and property liability cover for those who own property and rent it out. Can be taken out for almost any type of building where the constructions and usage are fairly general. More complicated risks and building usage also dealt with.
Shops/Offices
Same type of cover as under the commercial combined but with policies generally written with types of business in mind. Such as flower shops, clothes shops, furniture shops etc., and offices mainly used for administrative purposes only such as insurance brokers, financial advisers etc.
Professional Indemnity
This insurance is also known as Professional Negligence and specifically covers areas where a company or person can be held professionally negligent. Such examples would be where a photographer takes photographs at a wedding but fails to ensure that he has the correct film in the camera and no good or usable photographs are taken. In this case the insurance would cover for the reshooting of the entire wedding or enhancement of the negatives if this is possible through a specialist source. Another example is of an architect who designs a roof for a building which ultimately fails to perform and results in water encroachment. This policy would cover for the cost of putting right the design flaw and to the redesign and reconstruction of a replacement roof in necessary.
Public Liabilty
An essential cover for anybody who enters into business at any level. This can be for a very simple job such as car washing to mobile hairdressers, window cleaners, painters and decorators etc. It is essential to remember that this cover is only to protect the worker from any damage or injury that they cause to a member of the public and will not cover them for any damage that they do to the product they are working on, such as breaking a window in the case of a window cleaner.
Employers Liability
A policy which must, by law, be taken out by an employer. The statutory limit of cover is £10,000,000 as set by the Government. To have employees and work without this cover is illegal.
Photographers
Launched last year, our Photographers Combined Policy is a comprehensive package designed to cater for the Professional Photographer whether they are a sole trader working from home, a studio or high street location or part of a larger group operating from a studio.
Our standard policy covers all equipment on or off the premises and has a number of very useful extras which are included free of charge, we have expanded our cover so if your take the off premises option we will include up to 45 days worldwide cover absolutely free.
Our policy is designed to cover your total activity and extends to include Hired in Equipment, Goods Held In Trust, Portfolios, Buildings, Contents, Computers (Laptop and Static) and all other electronic equipment. Further for those photographers with a shop or studio premises we can provide Business Interruption to prevent the loss of income should the premises become unusable through an event of an insured peril, money cover is included free of charge.  Public Liability cover is available for any damage or injury to a third party, and Professional Indemnity cover can be provided for those exposed to the possibility of a negligent claim being brought against them.  For those of you with Employees, this cover can also be included.
We offer ONE POLICY, ONE COMPLETE PACKAGE and ONE REFERENCE POINT  should a claim occur.  We always like to ensure that we are providing you with the correct cover at the correct price and we do not expect the Professional Photographer to be an insurance expert and understand the various pitfalls you could fall into by not purchasing the correct cover. Therefore, we will only provide a quotation after speaking to you in person.
You can reach us on 08451 305060 a local call number from anywhere in the United Kingdom, therefore there are no expensive phone calls to make, we do not pressure you to buy as we are here to help you understand what you are buying and we will be more than happy to put a quotation in the post to you so you can take your time consider the proposal at your leisure.
Why not call us today  - we are here to help you.
Residential Let Properties
A policy specifically for individuals who own residential property, usually for investment purposes, and then rent them out. We have policies which cater for long term lets or properties used as holiday homes. In some instances, we are also able to add these types of properties to the owners main residence policy. We can also cover the landlords own property left in the home and can provide legal expenses cover to protect in case legal action has to be entered into to remove a tenant or other legal disputes arising from property ownership.
Work From Home
More and more people are now choosing to work or run a business from their home premises. If pure administration work is done with no public visiting them normally a standard household policy is sufficient. However, if part of the home is converted specifically for business use, stock is kept and/or the general public visit or delivery companies arrive regularly, then a policy specifically for this purpose is available.
Premier Household
Policies specifically for the owners of private homes with values in excess of £250,000.00 and general contents of at least £50,000.00. These policies respond better the higher the values involved and are especially effective when the home contains antiques, fine art, porcelain etc. These policies easily extend to cover second homes used as holiday residences and even properties abroad depending on the Country.
Premier Motor
High value motor can also be insured where the coverages are extremely flexible and tailored to cover domestic staff, secretaries and personal assistants. The original value of the vehicle must be in excess of £30,000. All family and/or household members can be named but others not permanently resident with the insured can drive the vehicle(s) without having to obtain prior consent. Also, anybody named on the policy can drive another vehicle not belonging to them or hired to them on a fully comprehensive basis, again without prior referral. The policy automatically covers for Europe with full legal expenses and breakdown cover included.
Annual Travel
If you travel on holiday more than once a hear then an annual travel policy may be more cost effective for you, especially is you travel as a family with children under 18. Most policies give cover for up to 31 days any one trip and are unrestrictive as to how many times a year you can go away.
Motor Fleet
For business’s with three cars or more a fleet policy may be applicable. These types of policy do not use a no claims bonus system, but usually a flat rate is given which is applied to all of the vehicles so that higher rated vehicles attract a lower rate. These policies are generally more cost effective the larger the fleet.
Wedding
Designed to cover for all the things that can go wrong on the ‘Big Day’ and leading up to it. Such as the cancellation or rearrangement of the wedding, loss or damage to the wedding attire, bride, groom and bridesmaids. Loss or damage to the wedding rings, flowers or gifts for the attendants, non-appearance of the photographer or loss or damage to the original film or negatives. Likewise, non appearance of the professional video operator or to the video tape and personal liability to cover you against your legal liability to pay compensation, costs and expenses for bodily injury and loss or damage of property. The policy can also extend to give cover for marquees. It won’t respond if you just decide ‘not to get married’.