Motor Trade
Shop
Office
Commercial Combined
Property Owners
Residential Property Owners
Liability
Farm
Engineering
Restaurant/Hotel/Pub
Hair & Beauty

Road Risks

Cover for own and customers' vehicle whilst being driven or kept at the place of business. This cover is essential for anyone working in the Motor Trade Industry.

Typical benefits are:

Comprehensive, Third party Fire & Theft or Third Party Only Cover Offered
Cover can be extended to include importation use, classic car use, motorcycle use
Cover available for vehicles kept at private residence
Cover available for additional drivers aged 21 and over. Please note PolicyHolders must be over 25

Motor Trade Package Policy

Commercial combined policy designed for the garage owner with many optional sections to include cover for:

buildings
plant & machinery
general stock
customers' cars
sales cars
fuel in tanks
petrol pumps and forecourt fittings
money Cover
glass
loss of profits
goods in transit
employers' liability
public liability including defective workmanship
engineering inspection for pressure vessels and lifting gear
legal expenses
road risks.

Motor Trade Liability

A single policy to cover employers', product and public liability risks as required. Suits small businesses such as vehicle collection & delivery services, valeters, mobile mechanics and car lots.

For our Motor Trade Enquiry form please click the link below.
Please download the form, fill it and save your data and then email it to info@wtoddandson.co.uk




Shop

Package policy for retailers including cover for:

Buildings
Stock
Fixtures & Fittings
Liabilities
Glass
Cash
Loss of Profits.
Extensions for legal expenses/fidelity/goods in transit/computer breakdown available




Office

Package policies suitable for many occupations such as Accountants, Estate Agents, Solicitors, and Software Developers etc… Covers buildings, contents, computers, book debts, cash, liabilities. Extensions can include personal accident, fidelity and Legal Expenses.

Commercial Combined

General term for composite policy covering a selection of risks relevant to most forms of trade and industry. Select appropriate sections which include damage to buildings/stock/machinery, liabilities, loss of profits, cash, computers, goods in transit, legal expenses, glass, machinery Inspection and breakdown (see "Engineering").

Property Owners

Package policies for large or small concerns and providing cover for Tenanted buildings. In addition to cover for the buildings the standard policy may include loss of rental income and public liability and can be extended to include employers' liability, legal expenses and engineering insurance for lifts, boilers etc.

Residential Property Owners

Package policy designed for the residential property owner. Whether letting out a flat or house we have policies to provide cover for your liability as the property owner. Cover also available for the building, contents and may include any loss of rental income.




Liability

Employers' Liability

This is a statutory requirement and includes a wide selection of direct and indirect employees, whether paid or not. Providing an indemnity for legal liability in respect of bodily injury, death, disease, or illness sustained by your employees and arising out of their normal course of employment.

Public Liability

Providing an indemnity in respect of the legal liability arising in connection with your business to pay damages as a result of death disease or bodily injury or loss or damage to property of members of the Public (excluding employees).

Product Liability

Providing an indemnity for legal liability arising from products sold or supplied or services given or work undertaken in the course of your business. Frequently automatically included on small package policies for retailers, hoteliers, small builders and the like.




Farm

All embracing policy to include Farmhouse/Contents, Farm Buildings, Dead Stock, Livestock, Machinery, Vehicles, Crops, Liabilities, Loss of Revenue, Milk in Tanks, Transit, Personal Accident, Legal Expenses and ancillary farming risks.

Livestock
Loss of animals as a result of specified diseases or whilst in transit. Fertility guarantee and frozen semen, temporary cover for bulls on hire.




Engineering

Amongst the many items of legislation about the work place are the "Provision and Use of Work Equipment Regulations 1998" and "The Lifting Operations and Lifting Equipment Regulations 1998" The considerable numbers of items encompassed by these regulations require inspection/examination by a "competent person" every 6 or 12 months, depending on the item. But legislative requirements are not exclusive to these two recent examples and specialist Insurance Companies are able to provide inspection and examination services.




Restaurant/Hotel/Pub

Hotel

Package policies covering buildings/hotel contents/freezer breakdown/ Wine, spirits and tobacco/guests effects/glass/money/loss of revenue/ Goods in transit and liabilities. Extensions can include Book Debts/ Loss of Licence/Computer Breakdown/Fidelity of employees/Legal Expenses/Engineering inspection for lifts, boilers etc.

Restaurants/Wine Bars

Package policies covering buildings/fixtures and fittings/stock including wines and spirits and frozen food/glass and sanitary fittings/cash/loss of profits/liabilities. Extensions can include Legal Expenses/Loss of Licence/Computer Breakdown and Fidelity of Employees.

Public Houses

Package policies covering pub contents including general stock, wines, spirits, tobacco, frozen food/ money (including contained in gaming machines)/loss of profits/glass and sanitary fittings/goods in transit/ public and employers' liability/loss of liquor licence. Extensions can include buildings/Landlord's personal effects/fidelity of employees/ computer breakd own/legal expenses.


Hair and Beauty

Package policy for Hairdressers and Beauty Salons. To include cover for:

Buildings
fixtures and fittings
stock
glass
cash
loss of profits
Liabilities including treatment risks.