THE COMPLETE INSURANCE SERVICE

Legal Expenses cover can provide you with assistance in respect of a variety of legal disputes including those emanating from

•    Employment
•    Tax
•    Property
•    Health & Safety
•    Contract or Debt disputes


To discuss how Commercial Legal Expenses insurance can help protect your business please give us a call.

Ask for our free initial consultation and see what a difference we can make to your finances! If you haven't had an expert look at your finances recently you will no doubt be confused or lost about how much the new rules over the last 5 years have affected your finances. We know our way around the maze and with our team of IFA's, whose knowledge can save you money and we can put you on a clear path for your future.

Accidental Damage cover on your home contents will give you peace of mind against those accidental breakages and spillages in the home.

During the harsh winter we experienced last year many households, landlords and business owners found themselves presented with a scene of devastation following the thawing of a frozen pipe. Extensive damage to ceilings, masonry and plaster as well as to contents, furnishings and carpets is not uncommon.
Some steps that you can take to help avoid such a situation include:

• Ensuring that your heating system, including the thermostat, is working correctly
• Knowing where to turn off the water supply
• Making sure that water pipes and cold water tanks, especially those in loft-spaces are suitably lagged and insulated.
• Turning off external taps and disconnecting any hoses.

If you discover a frozen pipe, do NOT use a naked flame to thaw it out. A hot water bottle or hairdryer on low heat will assist with thawing the pipe. Always start with the end nearest the tap.

If your heating fails or makes loud banging noises during freezing conditions, this could be a sign that a pipe is freezing. Turn off the boiler and call a heating engineer immediately.

Unoccupied properties are particularly vulnerable to this problem. Steps to help reduce the risk include:

• Keeping the property heated if it left unoccupied for a short period
• Draining and shutting down your system for longer unoccupancies (this may well be a condition of your insurances and it is recommended that you speak to your broker / insurance company if you have an unoccupied property for clarification)
• Asking somebody to check on your property daily – although this will not stop a leak happening it could greatly reduce the extent of the damage if the leak is detected early
• If you let your property out, make sure your tenants are aware of their responsibilities and what actions need to be taken if they are leaving the property unoccupied during the winter months.

If you are unfortunate enough to have a burst pipe turn off the water supply, do not use the electrics as these may need to be checked by a professional electrician and report the matter as soon as possible to your broker or insurance company.

Legal Expenses will pursue all your losses from the person who caused the accident.

These can include the following;

• Policy excess
• Personal Injury Compensation
• Loss of Earnings
• Replacement Hire Vehicle
• Vehicle Repair Costs
• Medical Fees
• Loss of Use
• Vehicle Recovery
• Storage Charges
• Out of Pocket Expenses

 

By paying the £20 additional premium you will have peace of mind that in the unfortunate event of an accident, a quality service will be provided to recover these losses.

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- There is no better time for a service than in the run-up to Winter - you can have peace of mind that your car has been professionally prepared.

- Clear all windows of ice and snow before setting off on any journey, no matter how short. Give yourself extra time and stick to main roads where possible.

- Always try to pull away in second gear and avoid harsh braking and manouvres. If you skid, depress the clutch and steer into the skid.

- Personal maintenance is also important:

• check the antifreeze in your coolant system regularly
• replace any faulty or broken bulb immediately
• spray door and boot locks with WD40 every few days to prevent freezing
• check your tyres regularly for any visual defects - ideally a minimum tread of 3mm should be mainted throughout the Winter
• never under-inflate tyres

- Keep your car stocked with the following items

• ice scraper and de-icer
• torch and spare batteries
• warm clothing and a blanket
• insurance documents
• bottled water
• snow shovel
• set of replacement bulbs

Call us free on 0800 731 9583 for your free no obligation quotation.

Often Professional Indemnity insurance is seen a requirement for accountants, solicitors and the like. However, any business that provides professional advice or treatment should consider whether they need this cover.


A good Professional Indemnity policy should cover you for claims made against you in respect of your legal liability for

•    Breach of professional duty
•    Libel or slander
•    Unintentional breach of confidentiality
•    Unintentional infringement of intellectual property rights or copyright
•    Loss of or damage to documents
•    Any other civil liability

Claims can be complex and defence costs can be high, so it is important to speak to the experts that understand this specialist type insurance and provide you with the cover you need, which is why we are the chosen Professional Indemnity and Office Insurance broker for:

Traditional Businesses – Accountants, Solicitors, IFAs, Insurance Brokers

Advisors – HR Consultants, Management Consultants, Health & Safety Advisors,

Media Risks – Publishers, Marketing, PR, Copywriters, Proof Readers to name a few

IT – web design, web hosting, IT consultants, software companies

We recommend that you purchase your travel insurance as soon as you have booked your holiday, to ensure that you are adequately covered for cancellation.