Property owners, landlords or property managers of a commercial building will require specialist insurance for their property to be fully protected against fire, lightning, storm, flooding, structural and subsidence problems and disputes with tenants.

Office Contents and Liability Insurance is essential for any commercial office to provide cover against loss, damage and theft. Naturally each office differs in size, contents and value and we will assess particular needs to ensure the right level of insurance and protection is arranged.

Business premises that are visited by clients, suppliers and the general public, or if employees are carrying out business at places of work owned by third parties, it is essential that Public Liability Insurance is in place. No one expects visitors to the office to be injured, but accidents can happen that may result in a claim.

This is an important policy for a manufacturing company or branded supplier products. If these products fail in some way, the purchaser or user may sue for damages or compensation for the costs of the product fault or failure. Product Liability Insurance gives protection against such actions.

Management Liability Insurance is designed to protect the Directors and Officers of private companies, Limited Liability Partnerships and Not-for-Profit organisations. The insurance is designed to protect company directors and board members against the legal costs of an alleged or actual negligence, error or corporate malpractice.

Employment issues for employees are increasingly complex under UK and European law. For example, unfair dismissal, racial discrimination and harassment claims are growing more than ever. The ‘insured’ will include the company, partners, directors, senior managers and employees.

There are thousands of business partnerships in the UK ranging from two people to large multi-national accountancy firms. Larger organisations will have well-defined terms set-out in a formal partnership agreement, but many smaller firms do not have a legal agreement in place leaving room for disputes and claims.