Servicesimagelothian

Services

Our partnership with Momentum Broker Solutions means we have access to an extensive network of insurers, which allows us not only to get you a great premium, but it also means we can be more specific around your particular industry and therefore provide you with cover entirely appropriate to your business.

The comprehensive support provided to us by Momentum also means we are able to focus all of our efforts on giving you the quality, face to face service we promise.

We are able to offer cover for most commercial insurances, the following illustrates our proficiency in a number of key areas:

Landlord Insurance

Provides cover for any property owner, both commercial and residential. Cover includes loss of rent as well as damage to buildings due to fire or storms for example. Additional cover such as terrorism or subsidence can also be included.

Manufacturing

Our extensive knowledge and experience in this sector means that we understand the risks your business is exposed to every day and can therefore build a solution specific to your business. Our package provides cover for your liability, assets and property. Cover is also available for your equipment and tools, business interruption, goods in transit, Engineering Plant and Machinery, together with Engineering Breakdown and inspection.

Motor Trade

There are 2 types of cover available; Road Risks only or Combined. Road Risks only covers all motor vehicles owned by you as well as your clients. The level of cover can of course vary depending upon the requirements of the business. The combined package has all the cover of the Road Risks only together with Stock cover, Employers Liability and buildings cover.

Professional Risks

This incorporates 2 different types of insurance. Professional Indemnity insurance is designed for an individual or a company who provides professional advices or services for a fee. It will protect the business against claims for error or omissions and professional neglect for both the principles and their employees.

Directors and Officers insurance provides protection against liability for a wrongful act. Current legislation dictates that a director of a company can be held personally liable for their actions.

Retail/Shopkeepers

If you are a shopkeeper it is important to ensure that your business is fully protected. Your insurance policy protects your stock, contents and damage to the building as well as your legal liabilities.

Construction

This insurance will safeguard you as an employer against injury onsite, as well as injury to third party and damage to other people’s property. It also covers materials and machinery on site in the event of an accident, fire or theft. The theft of building materials is becoming more common due to their increased cost –all the more reason to get them insured.

Leisure

A package product available to hotels, pubs, restaurants and sports and social clubs, where full liability cover comes as standard, therefore there’s no need to worry about annual wage roll and turnover declarations. Key benefits include Stock, business interruption, loss of money, personal assault , breakage of glass and goods in transit.

 

5 Cyber Security Basics

Last year (2014) 81% of large UK businesses and 60% of small companies suffered a cyber-security breach. (Source: HM Government and Marsh Cyber Security Report) As businesses increase their reliance on cyberspace – we are faced not only with new opportunities, but with new threats. Keeping safe from cyber-attacks starts with getting the basics right. […]

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