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buildings INSURANCE >
BUILDINGS INSURANCE
COMMERCIAL BUILDINGS COVERS:
Related Covers:
Includes High Value Homes
Related Covers: Legal Expenses, Home Emergency Cover, Alternative Accommodation, and more.
INSURANCE PREMIUMS: Monthly instalments or yearly one-off.
Contents Insurance >
Contents Insurance... Commercial Or Residential, Autograph Helps Protect What Matters... Your Stock, Equipment, Or Personal Belongings
CONTENTS INSURANCE
COMMERCIAL CONTENTS COVERS:
Related Covers:
HOME CONTENTS INSURANCE
COVERS:
Related Covers: Legal Expenses, Home Emergency Cover, and more.
INSURANCE PREMIUMS: Monthly instalments or yearly one-off.
BUSINESS Interruption >
BUSINESS INTERRUPTION INSURANCE
INSURANCE PREMIUMS: Monthly instalments or yearly one-off.
Public Liability >
Public Liability Insurance Covers Your Business Against Any Public Claims If An Injury Or Damage Is Caused By Your Negligence
PUBLIC LIABILITY INSURANCE
A fundamental protection for you and your business in case any compensation claims arise by public members… Covers if a customer or client was injured, died, or their property was damaged due to your negligence at work.
Public-liability Insurance is recommended to most businesses dealing with the public. EG:
Many Public Liability policies will protect you from incidents that take place either on your business premises or on a job, a client’s site.
An incident needs to be ‘unexpected and accidental’ for Public Liability Insurance to be valid. EG: A client visits your business and slips over water on the floor, and then suffers from back injury. If the client proves negligence in housekeeping, in that the water spillage hadn’t been mopped up from the floor, then that would lead to a claim for failing your duty of care, ultimately being liable for damages.
Public Liability Insurance will not protect your employees. Instead, you will need Employers Liability Insurance to protect them.
INSURANCE PREMIUMS: Monthly instalments or yearly one-off.
Employers Liability >
Employers Liability Insurance Covers Your Business From Any Claims. It's A Legal Requirement If Your Business Employs Staff
EMPLOYERS LIABILITY INSURANCE
Employers Liability is required by law for businesses with a minimum cover limit of £5million, though most policies will cover you for more – You must ensure all employees have cover, including permanent, temporary or casual staff, and volunteers or part time staff.
Note: No Employers Liability Insurance means risking significant fines for each day you’re not insured – Get EL: it’s mandatory by law!
Covers are in respect of death, bodily injury, or disease arising from employment. Additionally, cover is for legal and court costs to defend an action… Note: There’s no cover for fines or penalties awarded against your business.
Employers Liability protects you if your staff made a claim, but a Public Liability Insurance will protect you if your customers, client or a member of the public was injured, died or their property was damaged due to your negligence at work, and they made a claim against you.
INSURANCE PREMIUMS: Monthly instalments or yearly one-off.
Product Liability >
PRODUCT LIABILITY INSURANCE
Product Liability Insurance aims to protect you and your business against customers or third parties who make negligent compensation claims for an injury, death, or damage caused by the supply of your business’ products or services.
In some instances, the manufacturer can be held accountable for defects in manufacturing faults goods EG: if a customer purchased your electrical product which later overheated, causing a house fire – Legal costs are typically covered to determine who is held responsible.
Exclusions: Check – Policy exclusions may apply.
INSURANCE PREMIUMS: Monthly instalments or yearly one-off.
Professional Indemnity >
PROFESSIONAL INDEMNITY INSURANCE
Professional people’s insurance if your business offers knowledge-based services like skills & advice, then this cover is important for you. It will help cover legal fees and costs of a claim by a customer who lost money due to the advice or services received from your business. Some insurers may protect you against financial losses experienced due to a mistake and your negligence.
Covers include compensation claims payable to a third part and any legal costs, for a specified limit. Professional Indemnity claims can be expensive and involve complicated legal disputes.
Exclusions: Not every loss is covered. So check – Policy exclusions may apply.
INSURANCE PREMIUMS: Monthly instalments or yearly one-off.
Cyber Liability >
CYBER INSURANCE
Helping businesses return to work with financial, legal & technical support.
Covers give peace of mind, especially to businesses whose systems hold sensitive customer data or make online payments –
COVERS:
Ransom: Protect your business from this form of malware, which encrypts a victim’s files, making it unusable. The attacker will demand a ransom in exchange for restoring access to your data upon payment.
Cyber Crime (or Phishing): This is when different crimes occur online using computer technology. Criminals will hack systems and networks. They’ll steal money, information, and even disrupt your business.
Restitution of IT systems and data: Costs involved to notify customers of such an attack or loss of their personal data.
FINANCIAL PROTECTIONS:
Business Interruption: Get financially protected for losses your business suffers following a Cyber-Attack, should your production lines be halted due to systems being compromised.
Recovery Costs: Repair damaged computer systems and data restoration.
Fines (if legally insurable): Compensation costs following breach of personal data.
INSURANCE PREMIUMS: Monthly instalments or yearly one-off.
Directors & Officers >
DIRECTORS & OFFICERS INSURANCE
Certainly Worth It!
If the unexpected happened, you’ll be glad knowing you’re covered and not alone, and that help is just a phone call away. This protection is worth consideration for senior people and your businesses.
INSURANCE PREMIUMS: Monthly instalments or yearly one-off.
TOOLs insurance >
Directors & Officers Insurance Provide Financial Protection For Senior Members Of The Company If Faced With Legal Action
Directors & Officers Insurance is certainly worth it – If the unexpected were to happen, you’ll be glad knowing you’re covered and are not alone, and that help is just a phone call away. This protection is certainly worth consideration for senior people and your businesses.
Fidelity Insurance >
Employers Liability Insurance Covers Your Business From Any Claims. It's A Legal Requirement If Your Business Employs Staff
Employers Liability Insurance is required by law for businesses with a minimum cover limit of £5million, though most policies will cover you for more – You must ensure all employees have cover, including permanent, temporary or casual staff, and volunteers or part time staff.
Note: No Employers Liability Insurance means risking significant fines for each day you’re not insured – Get EL: it’s mandatory by law!
Covers are in respect of death, bodily injury, or disease arising from employment. Additionally, cover is for legal and court costs to defend an action… Note: There’s no cover for fines or penalties awarded against your business.
Employers Liability protects you if your staff made a claim, but a Public Liability Insurance will protect you if your customers, client or a member of the public was injured, died or their property was damaged due to your negligence at work, and they made a claim against you.
INSURANCE COSTS: Monthly instalments or yearly one-off.
Accident & sickness >
Product Liability Insurance aims to protect you and your business against customers or third parties who make negligent compensation claims for an injury, death, or damage caused by the supply of your business’ products or services.
In some instances, the manufacturer can be held accountable for defects in manufacturing faults goods EG: if a customer purchased your electrical product which later overheated, causing a house fire – Legal costs are typically covered to determine who is held responsible.
Exclusions: Check – Policy exclusions may apply.
INSURANCE COSTS: Monthly instalments or yearly one-off.
Commercial legal >
Commercial Legal Insurance Helps Protect Businesses With Legal Advice And Costs If They End Up In Court For A Legal Dispute
Commercial Legal Insurance is ready to provide legal protection for legal disputes.
COVERS help the business for legal representations and its associated legal costs. Typically, companies add these protections to their existing business insurance policies to cover business related matters, such as the following:
– An employment tribunal
– Dissatisfied customers
– Supplier disputes
– And more
INSURANCE COSTS: Monthly instalments or yearly one-off.
Computer Insurance >
Employers Liability Insurance Covers Your Business From Any Claims. It's A Legal Requirement If Your Business Employs Staff
Employers Liability Insurance is required by law for businesses with a minimum cover limit of £5million, though most policies will cover you for more – You must ensure all employees have cover, including permanent, temporary or casual staff, and volunteers or part time staff.
Note: No Employers Liability Insurance means risking significant fines for each day you’re not insured – Get EL: it’s mandatory by law!
Covers are in respect of death, bodily injury, or disease arising from employment. Additionally, cover is for legal and court costs to defend an action… Note: There’s no cover for fines or penalties awarded against your business.
Employers Liability protects you if your staff made a claim, but a Public Liability Insurance will protect you if your customers, client or a member of the public was injured, died or their property was damaged due to your negligence at work, and they made a claim against you.
INSURANCE COSTS: Monthly instalments or yearly one-off.
Money Insurance >
Product Liability Insurance aims to protect you and your business against customers or third parties who make negligent compensation claims for an injury, death, or damage caused by the supply of your business’ products or services.
In some instances, the manufacturer can be held accountable for defects in manufacturing faults goods EG: if a customer purchased your electrical product which later overheated, causing a house fire – Legal costs are typically covered to determine who is held responsible.
Exclusions: Check – Policy exclusions may apply.
INSURANCE COSTS: Monthly instalments or yearly one-off.
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Commercial Insurance Services are authorised and regulated by the Financial Conduct Authority. CiSL & Autograph are trading names of Commercial Insurance Services Ltd. Commercial Insurance Services Ltd
Registered Office: 47a High Street, Banstead, Surrey, SM7 2NL. Registered in England and Wales No: 3364024
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