Commercial

Details

Commercial Combined insurance meets the insurance and risk management needs of the UK’s SME businesses.

Policy features:

• All risks (specified items)
• Frozen foods
• Goods in transit
• Loss of licence
• Theft by employees

Trading options

• Delegated Authority
• Direct to Underwriter
• Schemes

Documentation

• Product information
• Policy wording

Details

Leisure insurance has been designed for guest houses, public houses, wine bars, licensed premises, restaurants and cafes.

Policy features:

• Accidental damage
• Buildings and contents
• Business interruption
• Deterioration of frozen foods
• Index linking
• Loss of licence
• No claims discount

Trading options

• Delegated Authority
• Direct to Underwriter
• Schemes

Documentation

• Product information
• Policy wording

Details

Motor Fleet insurance is a multi-vehicle policy designed for private cars, commercial vehicles and special types of vehicles used for commercial purposes. Motor Fleet is designed for fleets of 5 to 100 vehicles.

Policy features:

• Loss recovery
• Principals indemnity
• Third-party contingency
• Third-party property damage limit for private cars and goods carrying vehicles
• Unauthorised movement of obstructing vehicles
• Unauthorised use and driving of vehicles by employees
• Unlimited third-party personal injury

Trading options

• Direct to Underwriter

Documentation

• Product information
• Policy wording

Details

Office insurance has been designed to provide a comprehensive package to cover the main insurance requirements of a working office.

Policy features:

• Accidental damage
• Book debts
• Buildings and contents
• Business interruption
• Full theft, subsidence and terrorism
• Glass, signs, blinds and canopies
• Goods in transit
• Index linking
• No claims discount
• Public liability and products

Trading options

• Delegated Authority
• Direct to Underwriter
• UK General Online
• Schemes

Documentation

• Product information
• Policy wording

Details

UK General’s Property Owners’ Policy provides an extensive range of covers for both commercial and residential lets, making it a particularly favourable contract in today’s market.

The Property Owners’ market is a key area for our intermediaries, with many of their commercial and private clients having second properties or small portfolios.

Our new range of online Property Owners’ policies automatically provide wide ‘All Risks’ coverage yet still allows customers to select additional covers to suit their individual needs.

Policy features:

All risks property damage including:

• Alternative residential accommodation
• Buildings (day one reinstatement)
• Car parks, patios and landscaped grounds
• Cost of rewriting deeds, documents and computer records
• Employers’ liability - covers incidental employers’ liability for cleaners, caretakers and persons doing minor maintenance and repairs
• Glass
• Money, locks and keys
• TV and satellite aerials

Additional features

• 15% day one inflation provision and index linking
• Automatic loss of rent cover up to 20% of buildings sum insured with options to increase limit and indemnity periods
• Landlords furnishings and communal contents covered up to £5,000 and £10,000 respectively as standard with options to increase
• Optional legal protection covers available on residential let policies
• Property Owners’ liability - indemnity limit of £2million is provided as standard with the option to increase to £5million
• Subsidence covers available for an additional premium
• Terrorism covers available for an additional premium

Diversity

Our online Property Owners’ policies provide cover for a diverse range of properties.

For commercial lets we cover:

• Offices
• Public houses/wine bars
• Restaurant/cafe
• Shops

Residential properties include:

• House/bungalow/maisonette
• Other standard construction, residential properties
• Purpose built concrete floored block of flats

Our policy can also be used for mixed usage commercial properties with residential lets.

Trading options

• Direct to Underwriter
• UK General Online
• Schemes

Documentation

• Product information
• Policy wording

Details

Retail insurance has been designed to cover the main insurance requirements of the retail sector.

Policy features:

• Book debts
• Buildings and contents
• Business interruption
• Employer liability
• Frozen food
• Loss of licence

Trading options

• Delegated Authority
• Direct to Underwriter
• UK General Online
• Schemes

Documentation

• Product information
• Policy wording

Details

Tradesman insurance is designed to meet the demands and needs of self-employed persons and small businesses with up to 10 employees (including limited companies) undertaking a variety of manual, clerical and professional trades who wish to protect their business.

Policy features:

• Contractors all risks
• Goods in transit (exc. Acturis Panel)
• Health and safety at work, legal fees and costs
• Legal liability
• No claims discount
• Public and product liability
• Temporary employee extension
• Tools cover

Trading options

• Delegated Authority
• Acturis Panel
• UK General Online

Documentation

• Product information
• Policy wording
• Policy wording
  (Acturis Panel)