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Only boxes that you OPEN will be added to your proposal. If you decide you don't want a particular type of cover, simply close that box and we'll remove it from your custom-policy-proposal.

Public & Products liability Help

generally this covers your legal liabilities for bodily injury or death to third parties and damage to their property (including the torts of trespass, nuisance etc.)

FREE Professional Indemnity Cover The policy will indemnity the Insured in respect of injury death or damage caused by or arising from any tuition instruction, safety briefing or advice given, provided that such tuition instruction, safety briefing or advice is given by a fully qualified Employee or if not fully qualified the Employee is under the direct supervision of a fully qualified Employee FREE Cover for Negligent or Wrongful Advice or Tuition The policy will indemnity the Insured in respect of injury death or damage caused by or arising from any tuition instruction, safety briefing or advice given, provided that such tuition instruction, safety briefing or advice is given by a fully qualified Employee or if not fully qualified the Employee is under the direct supervision of a fully qualified Employee FREE Indemnity to Others Extension We will also provide ‘others’ indemnity in respect of liability for which You would have been entitled to indemnity under this Insurance if the claim had been made against You. For full details please see the policy wording.
Limit of Indemnity	£
Turnover for activities provided by you	£
Turnover for activities provided by bonafide subcontractors	£

Employers' liability (Standard limit of indemnity £10,000,000) Help

generally this covers your legal liabilities for injuries to your employees

Employer Reference Number (ERN)	The ERN is also commonly referred to as 'Employer PAYE Reference'. This is the reference number provided by HMRC & the number is specific to all businesses that employ staff who are (in total) paid more than £503 per month. The ERN can be obtained from a P45, P60, P11/D and most payslips. Numbers allocated since 2001 will mostly have a format of NNN/Aznnnnn A small number of businesses may be exempt from holding an ERN. This will generally be only in cases where the employer pays their staff (in total) less than £503 per month, per employee. Exempt
enter your estimated annual wage roll here:-
Clerical	£
Coaches & instructors	£
Caretakers/cleaners	£
Bar/Catering/Retail	£
Maintenance	£
Manual including height work over 5M	£
Manual excluding height work over 5M	£

Fire, Theft & Accidental / Malicious Damage to property or equipment Help

generally this is cover for physical damage, theft, accidental damage etc. to portable equipment / property that stays at one location within the Territorial limits of UK, Europe or Worldwide including transit

What do you want to insure
Please enter the value of the item(s)	£

Item Description	Value	Action

Money

generally this is physical loss of, theft of, damage to etc. money from your premises, in transit, safes, gaming / vending machines, at your home etc.

Annual carryings (own employees)	£
Annual carryings (security company)	£
Gaming machines	£
Money in a locked safe	£
ATM's	£

Information Technology Help

generally this is "All Risks" cover on computers and electronic office equipment, data and software at the Premises

Information Technology Equipment	£
Restoration of Electronic Data	£
Extra Expense	£

Fidelity guarantee Help

generally this is damage or loss of your money or business goods against losses caused directly by theft, fraud or dishonesty of your employees

Frozen food (deterioration of stock) Help

generally this is cover for damage to frozen food stocks arising from the breakdown of refrigeration units

Loss of Licence Help

generally this covers the depreciation of the value of your interest in the premises as a result of non-renewal or revocation of your licence from causes beyond our control - e.g. a liquor licence

Our insurance policies