Business insurances
Choose your Business Insurance
A
ACORD Certificate
Standardised documents that summarise what liability insurance an organisation holds.
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Agricultural vehicle insurance
Tractors, telehandlers, quads, combines, trailers and plant, essential to your operation and attractive to theives.
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B
Book Debts
Covers the cost of reproducing records and chasing debtors following the destruction of accounting records.
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Buildings Insurance
Normally covers the main structure, outbuildings, walls, gates and the property owner’s fixtures and fittings.
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Business contents insurance
Business contents insurance can cover furniture, furnishings, equipment, etc. for loss, theft or damage.
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Business Interruption
Also known as Loss of Profits, will pay for your lost income should you income be disrupted by a claim. Read more
C
Care farms
Providing invaluable opportunities for a range of service users, unfortunately they can also be difficult to insure.
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Commercial combined insurance
A custom made policy created using different individual types of insurance in order to make a bespoke policy.
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Commercial package insurance
Commercial package policies give a basic all round package of cover for businesses. Read more
Computer insurance
Cover for computer equipment including breakdown, re-instatement of data and consequential loss.
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Contract works insurance
This covers temporary and permanent construction works plus materials, should they be stolen or damaged. Read more
Credit insurance
Credit Insurance protects businesses against debtor insolvency or failure to pay an outstanding debt.
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Cyber insurance
Designed to cover the modern day risks associated with electronic data, communications and information.
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Cyber Liability Insurance
For eligible companies that obtain Cyber Essentials certification through The IASME Consortium or an IASME approved Certification Body.
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D
Data protection
This can help you and your business in case of a data breach – and with your GDPR compliance. Read more
Directors and Officers
Designed to indemnify directors and officers from claims against them personally for failing in their duties.
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E
Employers Liability
A legal requirement for all employers to cover them should an employee suffer a work related injury or disease. Read more
Engineering Inspection
A legal requirement for certain types of equipment to prove that it is in a serviceable and safe condition.
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Environmental Liability
These policies can be tailored to give you the level of protection you need, either as a potential polluter or as a landowner sitting on an unknown risk.Read more
Equestrian insurance
Injury or illness to your horses, theft of tack, damage to horseboxes, damage to buildings, damage or injury caused by horses.
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Equipment and machinery breakdown
If you have plant, machinery or equipment that is vital to your business then consider Engineering Insurance.
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Events and Activities
Sutcliffe & Co can provide event organisers with specialist insurance packages designed to cover the requirements of an event.Read more
Event Cancellation Insurance
Event organisers need to consider protecting themselves from unexpected events that could cause cancellation.
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F
Fidelity / Employee Dishonesty
Fidelity Insurance is designed to protect businesses from dishonesty and thefts by employees.
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Fleet Insurance
Fleet insurance enables a number of vehicles to be insured on one policy. Insuring a fleet reduces administration, increases flexibility and cuts costs.
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Flood insurance
Revolutionary & rapid-payout flood cover for businesses and landlords.Read more
Flood recovery
Steps to take, along with a downloadable checklist, to help you, your property & your business recover from flooding.
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G
Goods in transit
Goods In Transit Insurance covers a business for loss or damage to cargo, stock or other items being transported.
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H
HGV insurance
Heavy Goods Vehicles / HGVs are a considerable financial investment and need the correct insurance.Read more
Hired in plant
If you hire plant or equipment, the hire company will often expect you to insure it whilst it is in your possession.
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J
JCT 21.2.1
In simple terms, this is insurance to cover you should a neighbour’s property suffer damage as a result of the work carried out on your property.
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K
Kidnap and ransom
Kidnap & Ransom insurance provides the services of a specialist consultancy to effect the quick and safe release of the victim.Read more
L
Land owners liability
Land Owners Liability Insurance covers the owner of land or property for their legal liability for injury or damage to others.
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Land indemnity
Legal Indemnities cover a wide range of risks that may be encountered in conveyancing transactions, providing a tool to mitigate the problem.
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Latent defects
Latent defects insurance covers against defective design, materials or workmanship that are discovered after construction of a building is complete.Read more
Legal expenses
This provides a legal service and costs to defend or pursue certain legal actions.
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Legal indemnity insurance
Typically used when purchasing a property that has had recent building work carried out but there is no evidence of planning permission.
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Loss of rent
Loss of Rent Insurance will compensate landlords should a property become uninhabitable following an insured event; such as a fire or flood.Read more
Loss recovery
Loss Recovery Insurance will pay your uninsured costs following a claim that is not your fault.
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M
Marine cargo transit
The term ‘marine’ is misleading as this insurance can cover goods being transported by land, air, rail or sea.
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Marine Hull Insurance
Traditionally this just covered the main structure of a boat, but now it covers a lot more – including aircraft.Read more
Medical malpractice
A form of professional indemnity insurance designed to cover claims for, or accusations of, medical negligence.
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Medical professional insurance
Minimise costs and disruption in the event of damage to equipment or data, injury, prosecutions or tribunals.
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Money insurance
Money Insurance covers cash, cheques, stamps, etc against all risks.
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N
Non negligence / 6.5.1
Non Negligence Insurance in the construction industry is also known as JCT 12.2.1 or JCT 6.5.1 insurance.Read more
P
Performance bonds
Frequently required as part of a construction industry contact between client/developer and contractor.
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Personal guarantee insurance
Signing a personal guarantee may be needed to secure much needed finance – this insurance helps reduce the associated risk.
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Personal accident & illness
Personal accident & illness insurance pays a benefit in the event of death, injury or illness of an insured person.
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Plant & equipment
Plant and equipment insurance will cover your business contents and machinery.
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Private medical
Personal accident & illness insurance pays a benefit in the event of death, injury or illness of an insured person.
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Prize indemnity
This cover allows event organisers to offer competitions with generous prizes by minimising the risk of a big win. Read more
Product guarantee
Product guarantee insurance gives over should a product fail to perform its intended function.
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Product recall
This covers the cost of recalling a product that has a dangerous defect, has been maliciously tampered with or is subject to malicious threats of contamination.
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Products liability
Products liability insurance covers the insured’s legal liability for injury or damage sustained by purchasers or users of products. Read more
Professional indemnity
Designed to cover individuals and businesses engaged in professional services for claims of alleged breach of professional duty.
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Property owner's liability
Property owner’s liability insurance covers the owner of a building or land for their legal liability for injury to third parties or their property.
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Public liability
Public liability insurance is designed to cover the insured’s legal liability to compensate others for personal injury or damage to their property. Read more
R
Reinstatement of computer data
Reinstatement of computer data usually forms part of a computer insurance policy.
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Refund protection
Is being able to refund your customers’ tickets if they have to cancel – but with no cost or admin – a burden for you? It can be done!
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S
T
Tenants improvements
Tenants improvements insurance will cover you if you rent or lease a property and have spent money improving or refurbishing the property.
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Tour operator's liability
Things can go wrong on a trip and the tour operator could be held responsible – this insurance can help.
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Treatment risks
Terrorism insurance can be purchased to extend existing cover to include losses caused by a terrorist act. Read more
Trustees & committee members' liability
Indemnifies trustees & committee members from claims against them personally for failing in their duties.
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U
Unoccupied property
Unoccupied properties are often a target for vandals, arsonists and squatters, so you should seriously consider the security of your property.
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