we also provide the following other insurance types:-

Surgery Contents and Computers

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This covers you for the replacement value of all your furniture, fixtures, fittings, office machines and computer equipment at your business premises.

The additional benefits of this cover include:

• Lamps, signs and name plates up to £500 for any one item
• The changing of locks following any theft of keys up to a value of £1000
• Cover for contents that are temporarily removed from your business premises, anywhere in the European Union and for up to 30 days anywhere worldwide.
• Deterioration of drugs and vaccines in a refrigeration unit up to £2000 for any one occurrence

Glass

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We automatically provide cover for breakage of all internal or external glass at the premises, including sanitary fittings at the premises.

Terrorism

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Losses arising resulting from loss or destruction of or damage to property under this policy directly caused by an Act of Terrorism.

Computer Breakdown

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We'll cover not only for the breakdown of computer equipment, but also the increased cost of operating your business working following a breakdown or failure of distribution equipment. We'll also cover the cost of replacing the computer system records used with your computer equipment following loss of data.

Cover is up to £10,000 for reinstatement of your data and £25,000 for the increased cost of operating your business.

Computer breakdown is an optional extra, make sure you select this option when you get your quote.

Business Interruption

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Cover is provided on an "All Risks" basis which is our widest cover, to protect your business in the event of any interruption following damage to your business premises.

We'll also cover your for any increased expenses or loss of income following:

• Damage to property in the area which prevents or hinders access to the premises
• Enforced closure of the premises on order or advice of the local authority due to specified human infectious disease at the premises (to a maximum of £25,000)
• Accidental failure of public electricity, gas or water supplies lasting not less than 30 minutes
• Accidental failure of telecommunication services lasting not less than 24 consecutive hours (to a maximum of £2,500)
• Loss of documents in transit

Book Debts

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Cover for the cost of tracing and establishing how much your customers owe you and the amount of any unpaid debts which cannot be traced following loss of or damage to your business books or records.

Commercial Legal Protection

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Cover for up to £500,000 in legal costs and expenses arising from specified civil and criminal incidents in connection with your business.

At your request, the Claims Administrator will negotiate for your legal rights in respect of legal cases including:

• Legal Defence
• Property Protection
• Bodily Injury
• VAT Disputes
• Contract Disputes
• Debt Recovery
• Employment Disputes and Compensation awards

  Commercial Legal Protection is an optional extra, make sure you select this option when you get your quote.

Public and Products Liability

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Public Liability

We automatically provide a limit of indemnity of £2,000,000 which can be increased to £5,000,000 for Public/Products liability if you need to.

This gives you protection against your legal liability for any bodily injury to third parties and/or damage to their property including obstruction, trespass, nuisance, interference, wrongful arrest and eviction.

Cover extends to include:

• Legal liability for leased and rented premises
• Contingent motor third party liability arising out of the use of vehicles within the UK not owned by you
• Legal costs and expenses in defending prosecutions under any health and safety legislation of Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

Products Liability

This gives you protection for the supply of goods which through your negligence causes injury or damage. Cover is restricted to losses due to

• Sale or supply of non-medicinal food and drink
• Disposal of furniture and office equipment previously used in the course of the business
• Proprietary goods not manufactured or altered by you, which you sell or supply unopened in the container provided by the manufacturer

Employers Liability

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This protection is against your legal liabilities for death or bodily injury to any of your employees. Legally you are required to insure your liability for a minimum of £5m. Our policy covers you to a maximum of £10m at no extra cost.

The cover includes.

• Legal costs and expenses in defending prosecutions under any health and safety legislation of Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.
• Work experience and Government scheme trainees as they are deemed to be employees
• World wide cover for employees normally resident in the UK who are temporarily working overseas.

Buildings

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Cover is provided on an 'All Risks' basis, which is our widest cover and includes accidental damage.

You will also be covered for the full rebuilding costs following a loss if you own the property, or if you rent or lease your premises, the full costs of reinstating all of the improvements that you have made to the building.

Subsidence, ground heave and landslip can normally be provided as an optional policy extension.

Money and assault

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We automatically provide cover for loss of money belonging to your business including bodily injury to you or your employees as a result of assault or attempted assault whilst carrying business money.

Cover is for £2,500 from your premises during business hours or in transit and £1,500 in a safe outside business hours.

The limits can be increased subject to your safe specifications.