Home Insurance (including non standard) Home Insurance (including non standard) Features Standard Cover £600,000 Buildings £75,000 Contents £2,000,000 Property Owners Liability £100,000 Family Legal Expenses £5,000,000 Accidents to domestic staff £750 per Pedal Cycle £300 Freezer breakdown £500 Money and Credit Cards £1,000 Property in the open £2,500 Property in Outbuildings Home Insurance (Mid/High net worth) Home Insurance (Mid/High net worth) Features Standard Cover Up to £1,500,000 Buildings Up to £250,000 Contents £2,000,000 Property Owners Liability £10,000,000 Accidents to domestic staff Pedal Cycles Freezer breakdown £1,000 Money and £5,000 Credit Cards £2,500 Property in the Open Residential Let Residential Let Features Standard Cover Buildings up to £3,000,000 per location Loss of Rent (20% of building SI) £5,000 landlord's contents * £5,000,000 Public Liability £100,000 Legal Expenses £5,000 Theft and Malicious Damage by tenant * *Professional/Retired occupancy only Property and Land Owners Liability Property and Land Owners Liability Features Standard Cover Industrial, commercial office or retail property Residential property Unoccupied property Farming/Leisure Land Private Land/Private Roads Development Land Commercial Property Owners Commercial Property Owners Features Standard Cover Buildings Landlords Contents Loss of Rent Property Owners Liability Employers’ Liability Unoccupied Property Unoccupied Property Features Standard Cover Buildings (FLEEA or Full Cover) Landlords Contents Loss of Rent Property Owners Liability Employers’ Liability Commercial Combined Commercial Combined Features Standard Cover Buildings and Tenants Improvements Contents and Stock Business Interruption and Book Debts Stock in Transit Loss of Money Refrigeration Breakdown Public/Products Liability Employers’ Liability General Liability General Liability Features Standard Cover Up to £10,000,000 Public and Products Liability Up to £10,000,000 Employer’s Liability Up to £1,000,000 Environmental Impairment Liability Up to £15,000 Tools, Equipment and Stock Cover Up to £100,000 Full Legal Expenses Professional Indemnity Professional Indemnity Features Standard Cover Negligence Civil Liability Intellectual Property Loss of Documents Loss of Data Dishonesty Deflamation Breach of Duty of Care Breach of Contract Criminal Defence Costs Ombudsman referrals Retail Package Retail Package Features Standard Cover £500,000 Business interruption £5,000 Outstanding Debit Balance £2,500 Stock in Transit £4,000 Money £2,000 Frozen Food £2,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Loss of License £100,000 Full Legal Expenses Offices and Surgeries Offices and Surgeries Features Standard Cover Office Contents Tenants Improvements Computer Breakdown £2,000 Money £2,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Full Legal Expenses Taxi Office Package Taxi Office Package Features Standard Cover £25,000 BI (Additional Cost of Working) £15,000 Contents including Radios £500 Money £5,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Full Legal Expenses Tools of Trade Tools of Trade Features Standard Cover Portable hand held tools Power tools Electronic equipment Measuring/levelling devices Sports equipment Stock/items to be installed Commercial Legal Expenses Commercial Legal Expenses Features Standard Cover Employment Disputes Employment Compensation Awards Employment Restrictive Covenants Tax Protection Property Legal Defence Compliance & Regulation Statutory Licence Appeals Loss Of Earnings Employees' Extra Protection Crisis Communication Contract & Debt Recovery Landlords Legal Expenses Landlords Legal Expenses Features Standard Cover Employment Disputes Employment Compensation Awards Employment Restrictive Covenants Tax Protection Property Legal Defence Compliance & Regulation Statutory Licence Appeals Loss Of Earnings Employees' Extra Protection Crisis Communication Contract & Debt Recovery Business Support and E-Learning Business Support and E-Learning Features Standard Cover Create and store a compliant Health and Safety plan A complete framework for building a business continuity plan Human Resources planning and guidance Free document library of commonly used documents Record and manage company drivers Employment law and directive updates and advice Employment practice advise Day to day business management Fire risk assessment plan and advice "Ask the Expert" for queries or specific issues Create and manage risk assessments
Home Insurance (including non standard) Home Insurance (including non standard) Features Standard Cover £600,000 Buildings £75,000 Contents £2,000,000 Property Owners Liability £100,000 Family Legal Expenses £5,000,000 Accidents to domestic staff £750 per Pedal Cycle £300 Freezer breakdown £500 Money and Credit Cards £1,000 Property in the open £2,500 Property in Outbuildings Home Insurance (Mid/High net worth) Home Insurance (Mid/High net worth) Features Standard Cover Up to £1,500,000 Buildings Up to £250,000 Contents £2,000,000 Property Owners Liability £10,000,000 Accidents to domestic staff Pedal Cycles Freezer breakdown £1,000 Money and £5,000 Credit Cards £2,500 Property in the Open Residential Let Residential Let Features Standard Cover Buildings up to £3,000,000 per location Loss of Rent (20% of building SI) £5,000 landlord's contents * £5,000,000 Public Liability £100,000 Legal Expenses £5,000 Theft and Malicious Damage by tenant * *Professional/Retired occupancy only Property and Land Owners Liability Property and Land Owners Liability Features Standard Cover Industrial, commercial office or retail property Residential property Unoccupied property Farming/Leisure Land Private Land/Private Roads Development Land Commercial Property Owners Commercial Property Owners Features Standard Cover Buildings Landlords Contents Loss of Rent Property Owners Liability Employers’ Liability Unoccupied Property Unoccupied Property Features Standard Cover Buildings (FLEEA or Full Cover) Landlords Contents Loss of Rent Property Owners Liability Employers’ Liability Commercial Combined Commercial Combined Features Standard Cover Buildings and Tenants Improvements Contents and Stock Business Interruption and Book Debts Stock in Transit Loss of Money Refrigeration Breakdown Public/Products Liability Employers’ Liability General Liability General Liability Features Standard Cover Up to £10,000,000 Public and Products Liability Up to £10,000,000 Employer’s Liability Up to £1,000,000 Environmental Impairment Liability Up to £15,000 Tools, Equipment and Stock Cover Up to £100,000 Full Legal Expenses Professional Indemnity Professional Indemnity Features Standard Cover Negligence Civil Liability Intellectual Property Loss of Documents Loss of Data Dishonesty Deflamation Breach of Duty of Care Breach of Contract Criminal Defence Costs Ombudsman referrals Retail Package Retail Package Features Standard Cover £500,000 Business interruption £5,000 Outstanding Debit Balance £2,500 Stock in Transit £4,000 Money £2,000 Frozen Food £2,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Loss of License £100,000 Full Legal Expenses Offices and Surgeries Offices and Surgeries Features Standard Cover Office Contents Tenants Improvements Computer Breakdown £2,000 Money £2,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Full Legal Expenses Taxi Office Package Taxi Office Package Features Standard Cover £25,000 BI (Additional Cost of Working) £15,000 Contents including Radios £500 Money £5,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Full Legal Expenses Tools of Trade Tools of Trade Features Standard Cover Portable hand held tools Power tools Electronic equipment Measuring/levelling devices Sports equipment Stock/items to be installed Commercial Legal Expenses Commercial Legal Expenses Features Standard Cover Employment Disputes Employment Compensation Awards Employment Restrictive Covenants Tax Protection Property Legal Defence Compliance & Regulation Statutory Licence Appeals Loss Of Earnings Employees' Extra Protection Crisis Communication Contract & Debt Recovery Landlords Legal Expenses Landlords Legal Expenses Features Standard Cover Employment Disputes Employment Compensation Awards Employment Restrictive Covenants Tax Protection Property Legal Defence Compliance & Regulation Statutory Licence Appeals Loss Of Earnings Employees' Extra Protection Crisis Communication Contract & Debt Recovery Business Support and E-Learning Business Support and E-Learning Features Standard Cover Create and store a compliant Health and Safety plan A complete framework for building a business continuity plan Human Resources planning and guidance Free document library of commonly used documents Record and manage company drivers Employment law and directive updates and advice Employment practice advise Day to day business management Fire risk assessment plan and advice "Ask the Expert" for queries or specific issues Create and manage risk assessments