If a crisis beyond your control was to hit your business, be it a storm, flood or fire – would your business be able to survive the upheaval?
Business Interruption Insurance can protect against loss of profit/income during periods where you cannot carry out business normally due to an unexpected insurable event.
Commercial Property Insurance is special protection designed to protect the owner against the risks of loss occurring against their property asset.
While it is not legally necessary, many mortgage lenders will require it when lending money. If you don’t have it in place you will have to pay for any damage the property suffers and you will also be liable for any third party compensation claims related to the property damage or injury through negligence.
Motor Insurance is a requirement by law, and when operating a fleet of vehicles it is essential that not only the correct cover is in place but it is also imperative that the correct level of cover is in place.
Here at Todd & Cue we offer three main types of Commercial Vehicle Insurance: Third Party, Third Party Fire & Theft and Comprehensive.
Technology has become a vital tool in every aspect of business and such a heavy reliance also increases the exposure in threats to technology and business, these threats being viruses, hackers and misuse of software and hardware.
Cyber Liability Insurance is vital for businesses that hold any form of data to protect them against the rise of intrusive cyber attacks.
Regardless of your company’s size, the legal cost to defend a Director is substantial, as are the penalties that can be personally incurred.
Directors & Officers Liability Insurance protects the individual office holder should they be required to defend a claim brought against them personally.
The smallest system update has the potential to go wrong, meaning your business is non-operational for a period of time. And for any business that depends on functioning equipment to operate and maintain revenue, a breakdown could be devastating.
Our engineering risks policies are tailored to your business and the losses sustained continue to increase with the rise of just-in-time manufacturing, Internet marketing and improved supply chain management.
Businesses are increasingly aware that they may need to make difficult decisions regarding staffing levels, or they have to enforce contracts with suppliers and clients who may be in difficulty. The last thing a business wants is a legal dispute and the likelihood of having to pay expensive legal fees.
Legal Expenses Insurance covers the cost of solicitors’ time in preparing and representing your interests in legal matters. You will also have access to a helpline facility that offers confidential expert legal advice at any time.
If your company runs a number of cars and/or commercial vehicles it can often be cheaper and easier to arrange them all under one motor fleet insurance policy rather than a policy for each individual vehicle. Starting from only four vehicles, your fleet can be of any size, and with the advantage of reduced paperwork and administrative work with only one premium to pay and one renewal date, you will save time and money with a multi-vehicle insurance policy.
There are three main types of Motor Insurance: Third Party, Third Party Fire & Theft Cover and Comprehensive.
Product recalls are occurring more frequently and often receive media attention. A poorly handled product recall or contamination incident can have a catastrophic impact upon brand reputation, an organisation’s assets and even their ability to continue trading.
Once embroiled in a product recall situation the costs, direct and indirect, to manufacturers, retailers or wholesalers can be enormous. Public/product liability will address the effects of injury or damage caused, but the impact may be much wider. Recovering stock, transport, overtime, repair or replacement and subsequent loss of reputation and profit can cause deep financial damage.
If you offer your knowledge, skills or advice as part of your profession – either as a self-employed individual or for a company then you should consider taking out professional indemnity insurance.
Professional Indemnity Insurance protects your business from potentially financially crippling and often reputation damaging claims from dissatisfied clients.
Public & Products Liability Insurance is recommended for any business whose employees are required to work at a client’s home or business premises, or which welcomes members of the public or customers on to their own premises. In many circumstances, it can be a contractual requirement so not having it can put you at a commercial disadvantage.
It protects against compensation claims arising from injuries to third parties or damage to their property caused by your negligence, or that of your staff or any subcontractors employed by you. It covers the legal fees and associated costs involved in defending a claim plus the award of any damages against you, including any costs the NHS may claim relating to ambulance call-out and hospital treatment.
There are two types of Transit Insurance: Old-For-New and Indemnity Cover. A Goods-In-Transit policy will protect you from the potential risks of theft, loss, damage and consequence of untoward delay.
If your business transports, imports or exports finished goods, parts or raw materials then you need to consider what protection is required for potential loss or damage caused to your business.
