Commercial Insurance
- Business Combined Insurance
- Credit Insurance
- Liability Insurance
- Fleet Insurance
- Directors and Officers Liability
- Health & Safety Executive
- Employees
- Environmental groups
- Regulatory bodies
- Creditors
- Banks
- Shareholders
- Customers and suppliers
- Professional Indemnity
- Digital Risks Insurance
- Marine Insurance
Protection for your buildings, stock, contents, liabilities and business interruption are all vital to maintain a stable business environment and provide peace of mind, safe in the knowledge that your cover is arranged with a reputable and quality insurer.
Your business has many basic essential insurance requirements, and as a member of the Willis Network, we are able to provide you with the most comprehensive and up to date Commercial Combined covers available, including numerous cover enhancements without additional cost to you.
The risk from bad debts/insolvency is always on our minds whenever we trade, so the option of taking out insurance to protect your business from this exposure should be something which should be seriously considered. Through being part of the Willis Commercial Network, we are able to provide you with the expertise needed in order to reduce your overall risk and protect your business against those customers from whom you feel could leave you in a bad debt situation.
We provide Public Liability, Employers liability and Directors and Officers Liability insurance to ensure our clients are protected from the exposure to civil, criminal and regulatory action.
Public Liability Insurance covers compensation you may have to pay a client, contractor or member of the public due to accidental injury or property damage. This could be something that happened at your buisiness premises such as client slipping on a wet floor, or something outside your workplace such as an employee spilling coffee over a clients computer when visiting their office. If you deal with the public, have clients or employees visiting your home office or business premises them you need to have this cover in place.
Employers' Liability insurance needs to be in place if you employ people. As an employer you are responsible for the health and safety of your employees whilst they are at work. If they suffer an accident in the workplace such as tripping over a computer cable, or claim any physical or mental illness brought on by work, they could bring a claim against you for compensation.
Directors and Officers (D&O) Liability insurance is a policy to protect Directors and Senior Managers from prosecution. Limited liability does not always protect your personal assets from any prosecution relating to neglect or negligence caused by your staff so ensure you are fully protected.
The Motor Fleet Insurance market is constantly changing as Personal injury claims continue to soar, and thus continues to have a detrimental effect on premiums.
We recognise that assistance is needed and provide our clients with something practical in addition to placing you with a quality Fleet Insurer. Motor Insurance claims are not always something you can prevent, however BV have developed assistance for Fleet Managers within your business to help reduce the likelihood of an accident or claim occurring, by way of our Fleet Risk Management Programme. This programme includes practical steps and measures to help you achieve your goal of reducing future Fleet insurance premiums.
The Directors, Officers and Corporate Managers of a company can be personally liable for the decisions they make. Furthermore, this liability is unlimited and individuals cannot 'hide behind' the corporate body that employs them. Claims against individuals come from an ever widening source including:
D&O cover offers extensive personal and corporate protection from the financial consequences of errors and acts of omission made in the course of their past, current and future business activities.
Professional indemnity insurance provides financial protection for your business. Policy cover is designed to meet the high cost of defending claims and any damages which may be payable when a client of yours suffers financial loss as a result of your alleged neglect, error or omission.
The major sectors which require expertise are Accountants, Solicitors, Consultants, Architects, Telecommunications and Media industry who provide advice or design for a fee. BV have considerable expertise in this sector.
Like nearly every business you have probably made a significant investment in technology, perhaps by establishing your own company Web site or Email system.
But did you realise that these sorts of tools can expose you to new types of risks that could devastate your entire company? Worse, the chances are your existing insurance cover will not protect you against any claims since it was never designed to take into account these types of exposures.
If you have a company Email system that is used by your employees and/or a company Web site that is used to promote your products to the outside world, then you are at risk from a host of third party liability claims against you - from defamation through infringement of the Data Protection Act.
Disturbingly, your company is liable for every Email or Instant Message your employees send, whether or not they are work-related?
The policy also offers Web site content liability (a broad definition that includes slander, defamation, product disparagement and libel, and invasion or infringement of privacy) which covers any defence costs, damages or expenses associated with defending a suit brought by a third party. We can help dispel the myths of technology risks and help you find out exactly where your company is exposed.
From there, we can help you decide the best action to take in order to protect your business and your investment.
If your business involves the import or export of goods, marine cargo cover can provide insurance against a wide range of perils whilst goods are being transported throughout the world by either land, sea or air.
In particluar, we have considerable expertise in the Mobile phone and microchip cargo industry and as such have exclusive access to certain Marine Cargo insurance markets. Our standard policy wording includes full worldwide cover without excluded territories as well as many other tangible extensions.
Additional cover can be tailor made to match whichever internationally recognised terms of sale you currently operate under. Single shipment policies for infrequent transits can be arranged or alternatively open policies on a declaration basis for customers with a regular and ongoing need for cargo cover.
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Please contact us if you need further advice, have any questions about our services, would like a free consultation or a fixed fee quote.
