Industrial & Commercial Insurance Brokers | UK Business

At get indemnity™ commercial insurance brokerage we can accommodate a wide range of industrial enterprises

Commercial insurance brokerage

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Compare a range of commercial insurance quotes designed specifically for your industry sector.
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At get indemnity™ we are a commercial insurance broker that can access the wholesale market.
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We can accommodate commercial and industrial business with up to £100m turnover.
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Benchmark your existing cover with an industrial and commercial insurance brokerage.

Industrial & commercial insurance

Includes a range of covers designed for manufacturing, wholesaling, warehousing and engineering risks

Operating within the industrial and commercial sectors can carry significant risks and having appropriate business insurance is a necessity. Commercial insurance can offer financial protection when your business requires it most.


    Get indemnity™ commercial insurance

    Working in manufacturing, warehousing and engineering comes with a number of challenges. Commercial insurance offers protection if an unexpected event occurs, with industrial companies exposed to significant liability and property damage risks. 

    Ensure your business is adequately protected should the worst happen with get indemnity™ commercial insurance. Every enterprise is unique in nature and working with a specialist commercial insurance broker will ensure you purchase the most suitable protection.

    Below we take a look at potential risks and the commercial insurance available to protect your business. If you would like to talk with one of our Account Executives, give us a call on 0345 625 0711.


    What is industrial & commercial insurance?

    Industrial & commercial insurance is specialist cover designed for businesses within industrial sector. The flexible policies can accommodate a wide range of industries.

    We have combined the knowledge and expertise of a commercial insurance broker with digital tools to offer a wide selection of products via our online application.

    As a digital insurance broker, we have the expertise and access to identify a range of commercial insurance policies for any UK company with less than £100m turnover.


    How can commercial insurance manage your risk?

    Responsibilities and obligations will vary depending upon your industry and area of expertise, however commercial insurance is an essential part of protecting against the risks associated with the use of machinery and potential business interruption.

    Typically, this sector will require commercial liability insurance to protect against compensation claims by employees and third persons. In addition to, commercial property damage insurance to protect buildings, stock and machinery against unforeseen events.

    If you operate company cars, vans or haulage vehicles, commercial fleet insurance will offer the protection and flexibility you require.

    Specified all risks insurance may be required to cover parts, components, or even finished goods as they are transported between factories and warehouses. While stock in transit may also be required to cover goods as they are transported.

    Certain industries may also require more specialist products, such as product recall insurance to protect your full range of business activities. If you would like to discuss your specific requirements, please contact us.


    Why use a commercial insurance broker?

    As specialist commercial insurance brokers, we have the knowledge and market access to approach wholesale insurers. Upload your current policies via our online application and we can identify any specific amendments designed for your business.

    At get Indemnity we are proud to be independent commercial insurance brokers. Our first priority is to put our customers interests first. Working independently of any insurers means we do not have any internal pressures that may affect our advice and services offered.


    Industrial & commercial insurance brokers guide

    We have produced the below guide to identify different scenarios your enterprise maybe exposed and how commercial insurance can provide financial protection:

     
    What would happen if… Commercial Insurance: What the coverage does:
    Your commercial premises, industrial machinery and stock were destroyed as a result of a fire.

    > Property Damage

    > Commercial Combined

    Protects your company’s buildings and contents against loss or damage from a range of insured perils.

    Your business was unable to trade as a result of a flood.

    > Business Interruption

    > Commercial Combined

    Protects against the loss of income from being unable to trade as a result damage from a range of insured perils.

    An employee is seriously injured at work as a result of using defective machinery can claims for compensation.

    > Employers Liability

    > Commercial Combined

    Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement.

    A customer claims for compensation after falling and causing serious injury whilst visiting your commercial premises.

    > Public Liability 

    > Commercial Combined

    Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement.
    A product you manufacture causes injury to a third party, and they claim for financial compensation.

    > Product Liability 

    > Commercial Combined

    Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement.
    Your manufacturing equipment has an unexpected breakdown.

    > Equipment Breakdown

    > Commercial Combined

    In the event of machinery and plant, owned or leased, suffers damage. The insurance will provide financial support as defined in the policy schedule.

    You have statutory requirement that certain items of equipment and plant are inspected.

    > Engineering Inspection

    > Commercial Combined

    Will offer a periodic inspection of machinery, appliances and equipment stated in the policy schedule. In addition to offering a written report to meet the legal statutory regulations, if required.

    You were making a delivery to a client and your merchandise was damaged on route.

    > Stock in Transit

    > Commercial Combined

    Protect against damage to property (i.e. merchandise, goods and tools) in transit by vehicles owned by or operated by you, or the custody or control of a third-party carrier. 

    An accidental bodily injury, such as a loss of limb occurs to one of your employees.

    > Personal Accident

    > Commercial Combined

    Provides financial support as defined in the policy schedule. Benefits will be payable for death or disablement and related medical expenses.

    A cyber attack on your company’s electronic security manages to steal thousands of customer’s details.

    > Cyber Insurance

    Protects the company against financial loss arising from security and privacy breaches. Can include first and third-party losses.
    A director is investigated and prosecuted by the Health and Safety Executive for failure to maintain adequate controls.

    > Directors and Officers

    > Management Liability

    Protects the company against legal costs incurred in defending the allegation.
    An allegation of breach of contract is made against your company.

    > Corporate Legal

    > Management Liability

    Protects insured persons against legal costs incurred in defending the allegation; and damages from any award or settlement.
    An employee claims unfair dismissal and workplace harassment after a workplace dispute.

    > Employment Practices

    > Management Liability

    Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement.
    You discover your finance director been stealing hundreds of thousands of pounds over the last several years.

    > Crime Insurance

    > Management Liability

    Protects the company against financial loss from the theft of property, money or securities by an employee.
    A fraudster pretending to be a supplier reports their bank details have changed and payment is sent to the wrong account.

    > Social Engineering

    > Crime Insurance

    Protects the company against financial loss from the theft of property, money or securities as a result of social engineering.
    A customer requests financial compensation for a mistake in the offering of a professional service (i.e. engineering). > Professional Indemnity 

    Protects your company against legal costs incurred in defending the allegation; and damages from any award or settlement.

    A haulage vehicle accident occurs with one of your drivers at fault.

    > Business Fleet Insurance

    Protects from an accident causing damage or injury. Comprehensive cover will provide for damage to your car, van or haulage vehicle.
    An employee becomes sick and is unable to work. > Business Health Insurance Protects the health of your employees if the unexpected occurs. Mixed levels of cover available according to budget and commercial needs.

    As specialist commercial insurance brokers, we maintain the knowledge and expertise to offer a wide range of solutions for any transferable risks. Additional business insurance covers are available.


    Who should purchase industrial & commercial insurance?

    Industrial & commercial enterprises are faced with varied and complex risks often dependent upon the nature of the services offered.

    The below list is not exhaustive, however commercial insurance can be tailored to meet the needs of the following business activities:

    >  Bathroom furniture
    >  Beverage manufacture
    >  Blind manufacture
    >  Builders merchants
    >  Chemical manufacture
    >  Ceramic manufacture
    >  Clothing and textile industry
    >  Clothing manufacture
    >  Component manufacture
    >  Curtain manufacture
    >  Dental equipment
    >  DIY wholesalers
    >  Electrical equipment manufacture
    >  Engineering
    >  Fabrication and assembly
    >  Fencing manufacture
    >  Food manufacturers
    >  Glass manufacture
    >  Injection moulding
    >  Machinery manufacturers
    >  Paper manufacturers
    >  Precision engineering
    >  Plastics manufacturing
    >  Plastic fabrication
    >  Printers
    >  Recycling
    >  Textile wholesaler
    >  Warehousing
    >  Waste Management
    >  Wholesaling
    >  Wood manufacturing
    >  Wooden furniture manufacture
    >  Wool manufacturing


    How to obtain commercial insurance quotes?

    At get indemnity we have a range of products that are accessible via our online application. Commercial insurance quotes can be tailored and typically offered within 48 hours after submitting the required information.

     

    Commercial insurance brokerage

    Your commercial insurance broker should undertake a remarketing exercise at regular intervals as there continue to be movements in price and coverage available.

    There remains soft market conditions and reduction in premiums for commercial insurance policies. Increasing competition within the market means cover offered by insurers continues to expand with numerous extensions currently available.

    If you are unsure which business insurance coverage meets your needs, please contact us and we can discuss further.

     

    Commercial insurance brokers online


    This guide is for information purposes and based on sources which we believe are reliable, the general risk management and insurance information is not intended to be taken as advice with respect to any individual circumstance and cannot be relied upon as such.