Commercial Insurance

If your business relies on vehicles, it’s important to have an effective Commercial Motor Insurance policy. At Bush & Associates, we’re able to provide the relevant cover for a wide variety of businesses and vehicles to make sure you stay on the road to success.

Whether you use a car or van to get around for work, own a fleet of Commercial vehicles or work with a range of vehicles in a garage or car dealership, we’ll track down Insurance that provides you with the right level and range of cover.

If your business has multiple vehicles, we can organise Motor Fleet Insurance cover to keep all your vehicles and drivers insured under one handy policy and we can arrange Motor Trade Insurance for businesses that work with other people’s vehicles, as well as their own.

Insuring your business can be tricky which is why we want to make things easier by providing you with a handy Commercial Package Insurance policy.

A Commercial Insurance Package arranged by Bush & Associates will provide your business with a range of core covers, along with optional extras that allow you to tailor your cover to suit. We’ll get to know your business and work out what cover you need and what cover you don’t to ensure you have the protection and support you need.

Contractors’ Insurance requirements are very diverse from the small tradesman to the house builder to the major construction and civil engineering contractor. Whatever your requirements, Bush & Associates could help find the right cover for you.

For Tradesmen your requirements may only be for Public Liability and Tools Insurance and if you employ anyone, Employers Liability Insurance.

For larger businesses a policy can be tailored to suit a variety of contract lengths and trades. Typical cover includes Employers’ Liability, Public Liability and Product Liability, along with cover for contracts work and site materials, site huts, own plant, hired plant, content of show houses and more.

If you are involved in any design aspect of the works or temporary works, you may need to consider cover for liability arising out or errors or omissions in the design (Professional Indemnity).

Your Employers’ Liability, Public and Products Liability and Motor Insurances will give you cover for legal defence of claims made against you but there are other areas where you could incur legal expenses, either to defend yourself or to initiate claims against others.

The situations could involve employment disputes and compensation, health and safety prosecutions or appeals against prohibition and improvement notices, contract disputes (over £5,000), situations affecting your property rights, tax disputes, copyright protection and more.

If you or one of your key members of staff were to suffer an accident that affected their ability to work, it could have a massive impact on your company. We’re able to arrange Personal Accident Insurance that’s designed to help you keep things running as smoothly as possible if you find yourself with an unexpected staff shortage.

Personal Accident Insurance covers you and your employees if they are absent from work due to accident or illness and can act as a vital support for your business. This cover can help you handle prolonged absences by assisting with medical expenses, loss of business or the costs of hiring contractors or temporary staff.

Legal Liabilities covers protect your business against legal claims made under the following categories:

Employers’ Liability Insurance is a legal requirement for all businesses with employees, volunteers or trustees and provides cover in respect of injury or illness to such persons arising out of the business.

Public Liability and Product Liability Insurance protects you from claims made for injury or loss or damage by third parties and arising out of your business activities. Product Liability cover is needed if you supply products which are found defective and cause illness, injury or physical loss.

Professional Indemnity covers loss arising out or errors or omissions in design, advice or specification you may provide in connection with the business. Cover is needed by the traditionally recognised professions such as architects and accountants but increasingly relevant for the likes of fitness centres, interior designers, landscape gardeners and other trades where advice and design is provided.

Directors and Officers Liability Insurance. There are onerous responsibilities placed on the directors and other senior employees of firms and they can be held personally liable for failure to meet these responsibilities which means their personal assets are at risk without this Insurance.

If you own property, either as a landlord or an investor, you’ll need cover beyond simple Buildings & Contents Insurance. A Property Owners Insurance policy from Bush & Associates can be used to cover a range of properties, including residential properties, Commercial properties and even unoccupied properties, ensuring your portfolio has the protection it needs.

Property Insurance can be tailored to your requirements, taking into account the range and value of your property portfolio. Cover can be provided for buildings, landlord’s fixtures and fittings, contents (including stock and machinery), loss of rent, property owners’ liability, Legal Expenses and more.

If you or your employees frequently travel to perform their duties, Business Travel Insurance could give your business crucial protection while your staff are on the move.

Cancelled transport, stolen equipment or an accident could all cause problems and prove expensive for your business. If an important business trip is missed due to cancelled flight, then your business is out of pocket with nothing to show for it. Plus, if an accident or bout of food poisoning means your staff need medical attention while abroad, this could prove expensive and leave you without your key staff for an extended period of time. For longer period visits it may be necessary to send a replacement representative to either avoid missing an important trade exhibition or complete a contractual obligation to install or maintain equipment.

There are various pieces of legislation that require you to have regular inspections of equipment and plant, principally lifting and pressure plant. Bush and Associates can arrange inspection contracts for such items and it may be advisable to arrange breakdown and damage cover too.

If your business relies heavily on its plant, you may need to consider arranging wider damage cover than is available under your Commercial Insurance and even cover against breakdown. You also need to identify if a substantial part of your production goes through one or a small number of machines and a small breakdown could bring the works to a halt. Cover can also be arranged for the loss of production.

There are growing requirements from property insurers to have electrical systems regularly inspected before they will give cover and we can arrange programmes for you.