Commercial Insurance Brokers | UK Business
At get indemnity™ commercial insurance brokerage we can accommodate a wide range of industrial enterprises
Commercial insurance brokerage
Industrial & commercial insurance
Includes a range of covers designed for manufacturing, wholesaling, warehousing and engineering risks
Get indemnity™ commercial insurance
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.
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.
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?
Typically, this sector will require commercial combined 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.
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.
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.
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. |
Who should purchase industrial & commercial insurance?
The below list is not exhaustive, however commercial insurance can be tailored to meet the needs of the following business activities:
How to obtain commercial insurance quotes?
Commercial insurance brokerage
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.