What we insure

Fire and allied perils

Material damage cover for your buildings, equipment and stock.

Business interruption

Replaces lost profit and pays extra costs while you recover from insured damage.

Public liability

Covers claims from people injured or property damaged because of your business.

Professional indemnity

Professional Protect

Protects firms that give advice or professional services against claims of negligence.

Commercial crime

Financial Crime Shield

Covers losses from fraud and theft by employees or outsiders.

Bankers blanket bond

Specialist crime cover for banks and other financial institutions.

Theft

Covers stock and contents stolen in a break-in.

Fidelity guarantee

Covers money and goods lost through employee dishonesty.

Cyber insurance

Cybersecure Business

Covers the costs of a cyber attack or data breach, and claims that follow.

Workers' compensation

Covers what you owe employees injured at work under the Workers' Compensation Act.

Group personal accident

Pays benefits to employees who are injured, disabled or killed in an accident.

Contractors and erection all risks

Covers construction and installation projects from start to handover.

Construction and performance bonds

Guarantees your clients ask for before awarding or paying a contract.

Machinery breakdown

Covers sudden breakdown of plant, machinery and electronic equipment.

Aviation

Hull, liability and personal accident cover for aircraft owners and operators.

Marine and goods in transit

Covers goods you move by road, rail, air or sea.

Farm and agricultural insurance

Agri Secure

Cover for crops, livestock and farm assets against weather, disease and loss.

Directors' and officers' liability

Executive Shield

Protects directors and managers against personal claims for decisions they make.

Employment practices liability

Workplace Protect

Covers claims from employees for unfair dismissal, discrimination and harassment.

Trustee liability

Trustee Guard

Protects trustees from personal liability for errors in managing funds.

Trust funds protection

Trust Secure

Protects money you hold and manage on behalf of clients.

Medical malpractice

Med Protect

Covers healthcare professionals against claims of negligence.

Single-project professional indemnity

Build Secure

Professional indemnity for the whole design team on one construction project.

Umbrella liability

Umbrella Shield

Extra liability cover on top of your existing policies for very large claims.