Insure Business Services Ltd is headed by Kate Allison. Kate has a wealth of insurance and business experience and has enjoyed a career in the commercial and corporate insurance broking sector for almost 30 years.
We offer clients a traditional, personal service that can only be provided by being truly passionate about insurance broking as well as the local business community. Backed with up-to-date insurance and business qualifications and, importantly, instinctive business acumen the business will deliver a full and tailored insurance broking service.
Our partnership with Directly Authorised Broker means we have access to an extensive network of insurers. Directly Authorised Brokers know the insurance market inside out so with their access to the insurers and our knowledge of our customers, we are able to provide policies and prices to rival national brokers. The comprehensive support provided to us by Directly Authorised Broker also means we are able to focus all of our efforts on giving you the quality, face to face service you need. We are able to offer advice and cover for most commercial insurances.
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Coming Back After COVID-19 14, May, 2020 COVID-19 has caused many businesses to shut down or transition their employees to work from home, disrupting daily work life for many. As stay-at-home regulations are scaled back and all businesses are allowed to resume as normal, your employees will be asked to come back to work. While[…]
COVID-19: Potential exposures to directors and senior managers 14, May, 2020 Claims culture and worker safety are hitting the headlines with some parts of the UK starting to return to work. Companies House data in February and March shows the emergence of 45 newly incorporated limited companies that contain the words ‘corona’ or ‘COVID’, with[…]
Working from home during COVID-19 03, May, 2020 As the UK begins to ‘unlock’ it is likely that homeworking will stay in place for some time to come. Employers are responsible for the safety of their employees even if they are working from home. The Health and Safety Executive has created a guide for employers, including[…]
COVID-19 Updates 07, April, 2020 Our Response to Covid-19 In accordance with Government advice, most of our teams are now working from home. Our robust business continuity plan and cloud-based systems have enabled us to transition to remote working with no impact on client service. All our contact details remain the same, and we have[…]
Keep remote workers secure 1, July, 2020 The Coronavirus pandemic has resulted in unprecedented workplace changes. While the UK is on lockdown, employers have had to make necessary adjustments to allow staff to work from home. Perhaps there will be a lasting shift towards home working – the AA predicts a permanent reduction in the demand for[…]
With our knowledge and experience, combined with flexibility, we are in a perfect position to provide high quality professional advice. We have particular skills in negotiating with underwriters and designing risk reduction and management programmes to suit your unique requirements. Premiums will be competitive as we have access to many insurers and the Lloyds and London markets. Importantly in the event of a claim we will be there to advise and support you.
We will take time to understand your business, your product, processes and markets, and importantly the complexity of your supply chain and how this is managed. Your insurance programme will therefore be highly tailored and our service proposition both proactive and reactive. Liability cover will be arranged after a thorough investigation into your risk and in particular your contractual obligations to ensure the business is adequately protected.
This can include liability cover, for example where your employees operate in hazardous locations or outside of the UK, and also for product liability where goods are exported to USA/Canada and rest of the world, or where “Hold Harmless” agreements have been entered into. Where the employer’s liability risk is deemed problematic we will work strategically with your management team including your H&S, HR and operations manager. Our approach in tackling such issues including a cultural claims history may be deemed dogmatic to ensure results.
Whether you are a food manufacturer, a heavy engineering workshop, indeed any type of product processor, our extensive knowledge and experience in the manufacturing sector means that we understand the risks your business is exposed to every day. Insurance policies will typically include cover for; material assets such as buildings, contents and plant, stock whilst at your own and third party locations such as finishers. Stock cover can be arranged in the marine market on a through-put basis, business interruption with all relevant extensions, goods in transit and marine cargo, engineering, together with engineering breakdown and inspection.
PRODUCT RECALL AND CONTAMINATION
If you are a business involved in the manufacturing of any kind of product, particularly in the food and drinks sector, motor industry or children’s toys, product recall and contamination cover is essential and often required under contact. We can arrange insurance that covers the expenses associated with recalling a product from the market, the cost of replacing the product as well as your loss of profit. Cover can be extended to include third party consequential loss. A key feature of this policy is the inclusion of crisis management costs both pre and post loss.
If your business provides advice or designs, you may require professional indemnity insurance. Claims can arise from a variety of causes including professional negligence, unintentional breach of contract, defamation or slander, dishonesty and the infringement of intellectual property rights. Often the claim is spurious and allegations prove unfounded, however, the cost of defending a claim against you and protecting your professional reputation can be substantial. Cover for defence costs is a valuable part of the protection provided by PI insurance, in addition to the indemnity provided for any damages and claimant’s costs for which you become liable.
Often a complex area where cover needs to be tailored to include the specific requirements of the contract including works carried out under a JCT contract. A contractors combined policy includes cover for your liabilities, the contract works, tool and plant owned or hired by you, office equipment and business interruption. This insurance will safeguard you as an employer against injury onsite.
This provides cover for any property owner, both commercial, industrial and residential. Large portfolios require a tailored and flexible policy to include cover for the buildings, contents of common parts, engineering breakdown and inspection for lifts etc., loss of rent, alternative accommodation and capital additions. Cover may need to include both the landlord and management companies’ interest.
WAREHOUSE AND DISTRIBUTION
Whether you have a complex warehouse and distribution network or a single location storage facility, we have a wealth of experience in providing an insurance solution, providing cover for your buildings, plant and machinery. Stock cover can be arranged in respect of owned and third party stock, including warehouseman’s liability cover.
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.
MANAGEMENT LIABILITIES INCLUDING DIRECTORS AND OFFICERS LIABILITY
All Directors have legal responsibilities. Directors & Officers cover provides financial protection for individuals in respect of claims brought personally against them arising out of decisions taken or errors or omissions made in their capacity as Director, Officer, Supervisor or Manager. Human mistakes can be costly – Directors can be found personally liable by failing to take sufficient care in their duties, and therefore D&O cover would provide financial cover for case awards and defence costs.
Whether you have three vehicles or operate a large fleet of vehicles, we can work with you to manage your fleet risk. We can arrange fleet insurance for a wide range of fleets including those that have a mix of commercial, special type, high value cars and HGV’s. Cover is provided for young drivers or for carrying hazardous products.