BUSINESS INSURANCE

Insurance for Small Medium Enterprises, Professionals and Tradesman

WHY CHOOSE US?

Small and medium sized businesses are often insured via a pre-packed ‘off the shelf’ policy. We can do that too if it’s what you want, but we would prefer to work closely with you to ensure the right solution is offered at the right price. We can deal with both straightforward to very complex situations.

Every business is unique and we want to help you find the right insurance for your needs. Take a look at the covers available to you.

COVER AVAILABLE
CONTACT US

BONDS

Certain contracts may require a Bond to be taken out as a guarantee.

BOOK DEBTS

Covers the cost of reproducing records and chasing debtors following the destruction of such records.

BUSINESS INTERRUPTION

Protection against loss of profits and/or the increased costs to a business following a material damage loss.

BUSINESS / PERSONAL TRAVEL

Cover for employees travelling on business or personal travel can be arranged.

CHARITY TRUSTEES LIABILITY

Indemnity to individual directors, trustees, officers or managerial employees for any wrongful act, except for and to the extent that the company has indemnified them itself.

COMPUTER

Loss or damage to the equipment including reinstatement of data and increased cost of working.

COMMERCIAL LEGAL EXPENSES

Protection against the cost of commercial legal disputes. Provides legal advice and representation a business needs, to the exposure of these risks.

CONTRACTORS ALL RISKS

Loss or damage to contract works, own and hired in plant, together with employees tools and personal effects.

CREDIT INSURANCE

Cover for non-payment of goods and services purchased from you.

CRIME

Cover for the fraud or dishonesty of own employees or third parties.

CYBER LIABILITY

Cover is available for liability incurred via the internet or electronically.

DIRECTORS AND OFFICERS LIABILITY

Protection against legal actions and costs for actions against directors / officers and the corporate entity.

EMPLOYERS' LIABILITY

Covers an employee being injured or becoming ill at work through the fault of the employer.

ENVIRONMENTAL IMPAIRMENT LIABILITY

Indemnity against environmental impairment, pollution or seepage.

EXCESS LIABILITY

To provide up-to indemnity for bodily injury and property claims made against you by other parties for increased limits which reflect your risk exposures.

GOODS IN TRANSIT / MARINE CARGO

Cover for goods transported by your own or carriers vehicles.

HIGH NET WORTH / PRIVATE CLIENTS

Bespoke household insurance for directors and other qualifying staff.

MATERIAL DAMAGE

Loss or damage in respect of buildings, tenants improvements, glass, contents and stock.

MONEY AND ASSAULT

Loss of money in various forms together with any assault involved in the taking for such money.

MOTOR RISKS

All aspects of Motor Insurance, including both private and commercial vehicles.

MOTOR LEGAL PROTECTION

Assistance in recovering uninsured losses in the event of a non-fault accident.

PENSION FUND TRUSTEE LIABILITY

Cover for negligent actions of trustees, the fund and the employer.

PENSION TRUSTEE LIABILITY

Indemnity for the trustees of a pension scheme for claims  made against them personally arising out of the management of the scheme.

PERSONAL ACCIDENT AND SICKNESS

Fixed benefit payment cover can be arranged in the event of accident / sickness.

PROFESSIONAL INDEMNITY

Indemnity for negligent  advice or design work.

PUBLIC AND PRODUCTS LIABILITY

Covers loss or damage to third party property during the course of your works.

REHABILITATION

An absence management  tool and helps your employees get back to work.

STATUTORY INSPECTION

Inspection of your lifting equipment, pressure plant, electrical and mechanical equipment to confirm with statutory requirements / legislation.

TERRORISM

Cover against a loss following a terrorist act.

BUSINESS INSURANCE TEAM

GRANT IRWIN
020 7977 4800
girwin@milessmith.co.uk

APRIL FINCH
020 7977 4800
afinch@milessmith.co.uk

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INSURANCE SOLUTIONS FOR

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