Products & Providers

Association Liability: Protects non-profit organisations and their members against legal claims related to their activities.

Bailees Liability: Covers businesses that temporarily hold others' property, like dry cleaners or repair shops, against damage or loss.

Bloodstock: Insurance for valuable horses, covering risks like death, theft, or injury.

Broadform Liability: General liability insurance that covers a wide range of risks, including injury to others and damage to their property.

Business Interruption: Provides financial support if your business operations are disrupted by events like fire or natural disasters.

Caravans, Campervans, and Trailers: Covers damage or loss of these vehicles, whether on the road or parked.

Carriers Liability: Protects transport businesses against claims for damaged or lost goods during transit.

Commercial Motor Vehicle: Insurance for business vehicles, covering damage, theft, and third-party liability.

Contaminated Products: Covers costs related to product contamination, including recall expenses and legal fees.

Contents: Protects personal belongings in your home against risks like theft, fire, and natural disasters.

Contract Works Annual: Covers construction projects over a year, protecting against damage or loss during building.

Contract Works Single: Similar to annual cover but for individual construction projects.

Contractors Plant and Machinery: Insurance for equipment used in construction, covering damage, theft, and breakdowns.

Crime: Protects businesses against losses from criminal activities like theft, fraud, and embezzlement.

Crop Insurance: Covers farmers against losses due to events like bad weather, pests, and diseases.

Cyber: Protects against cyber-attacks, data breaches, and other online threats.

Deterioration of Refrigerated Stock: Covers loss of perishable goods due to refrigeration failure.

Directors and Officers Liability: Protects company directors and officers against personal liability for decisions made in their roles.

Employers Liability: Covers employers against claims from employees for work-related injuries or illnesses not covered by ACC.

Employment Disputes Liability: Protects businesses against legal costs and claims arising from employment disputes.

Equine and Livestock: Covers valuable animals against risks like death, injury, and theft.

Fidelity: Protects businesses against losses from employee dishonesty, such as theft or fraud.

Forestry Plantation Timber: Covers timber plantations against risks like fire, storms, and pests.

Franchisors Liability: Protects franchisors against claims related to their franchise operations.

General Liability: Covers businesses against claims for injury or damage caused to others.House: Protects your home against risks like fire, theft, and natural disasters.

Kidnap and Ransom: Covers costs related to kidnapping, including ransom payments and negotiation expenses.

Internet Liability: Protects against risks associated with online activities, such as data breaches and defamation.

Land Surveyors Professional Indemnity: Covers land surveyors against claims for professional mistakes or negligence.

Landlords Plan: Protects landlords against risks like property damage, loss of rental income, and liability claims.

Legal Defence Costs: Covers legal expenses for defending against various claims.

Legal Expenses: Provides coverage for legal costs in disputes, such as contract issues or employment matters.

Lifestyle: Comprehensive cover for lifestyle properties, including home, contents, and liability.

Machinery Breakdown: Covers repair or replacement costs for machinery that breaks down unexpectedly.

Malpractice Liability: Protects professionals, like doctors and lawyers, against claims of negligence or misconduct.

Management Liability: Covers business leaders against personal liability for management decisions.

Marine Builders Risks: Insurance for shipbuilders, covering risks during construction.

Marine Cargo: Covers goods transported by sea, road, and/or air against risks like damage or loss.

Marine Hull: Protects ships and boats against damage, theft, and other risks.Material Damage: Covers physical damage to property, such as buildings and equipment.

Motorcycle: Insurance for motorcycles, covering damage, theft, and third-party liability.

Natural Disaster Excess Buy Down: Reduces the excess you pay on claims for natural disaster damage.

Pleasurecraft: Covers boats used for leisure against risks like damage, theft, and liability.Private Motor: Insurance for personal vehicles, covering damage, theft, and third-party liability.

Prize Indemnity: Covers the cost of prizes in promotions if a participant wins.

Product Recall: Covers costs associated with recalling defective or dangerous products.

Product Contamination: Protects against costs related to contaminated products, including recall and legal fees.

Professional Indemnity: Covers professionals against claims for mistakes or negligence in their work.

Public Liability:  protects businesses against legal and financial risks from third-party claims of injury or property damage. Also called General or Broadform Liability.

Rural Assets: Protects farm property and equipment against risks like fire, theft, and natural disasters.

Rural Business Interruption: Provides financial support if farm operations are disrupted by events like fire or natural disasters.

Rural Commercial Motor: Insurance for farm vehicles, covering damage, theft, and third-party liability.

Rural Domestic Contents: Protects personal belongings on a farm against risks like theft, fire, and natural disasters.

Rural Dwelling: Covers farmhouses against risks like fire, theft, and natural disasters.

Rural Liability: Covers farmers against claims for injury or damage caused to others.Rural Livestock: Protects farm animals against risks like death, injury, and theft.

Rural Machinery Breakdown: Covers repair or replacement costs for farm machinery that breaks down unexpectedly.

Rural Management Liability: The specialised insurance and risk management strategies designed to protect farmers and rural business owners from various legal and financial risks.

Rural Private Motor: Insurance for personal vehicles used on farms, covering damage, theft, and third-party liability.

Ship Repairers: Covers businesses that repair ships against risks like damage to vessels in their care.

Social Engineering: Protects against losses from scams where employees are tricked into transferring money or data.

Statutory Liability: Covers fines and legal costs for unintentional breaches of laws and regulations.

Terrorism: Covers damage and losses caused by acts of terrorism.Trade Credit:  Protects businesses against the risk of non-payment by their customers.

Travel: Covers business travel risks, including medical emergencies, trip cancellations, and lost luggage.

Trustees Liability: Protects trustees against personal liability for decisions made in their roles.

Industrial Special Plant: Covers large industrial machinery and equipment against damage and breakdowns.

Unmanned Aerial Vehicle Hull: Insurance for drones, covering damage and theft.

Unmanned Aerial Vehicle Liability: Covers liability for damage or injury caused by drones. If you need more details on any specific product, feel free to ask.