Virtually all businesses have elements or features that are unique to them. This has huge significance when it comes to assessing Business Insurance.

Peter Lole & Co provides bespoke insurance solutions that are designed specifically for each client's business.

Our core areas support warehousing, distribution, manufacturing, wholesaling or engineering. The solutions we research and advise on include options to dovetail covers, or split covers, appropriately.

In order to cut costs we may recommend you separate liabilities. These generally include the following classes:

Employers Liability
All employers are required by law to have a minimum of £5,000,000 for any one occurrence. Cover provides for employers' legal liability to employees for bodily injury, including all litigation, costs and expenses.

Public Liability
This covers a company's legal liability to members of the public in respect of personal injury and/or property damage. Cover includes litigation, costs and expenses. It is important that the Limit of Indemnity is adequate to provide cover in the event of a catastrophe. (Cover is usually provided for any one event.)

Product Liability
Product Liability Cover is vital for any business involved with the manufacturing or supplying of products of any nature. This insurance protects a company's legal liability arising from personal injury or property damage, suffered by a third party, as a result of products sold or supplied.

COMMERCIAL COMBINED INSURANCE

This is a complete business insurance policy made up of sections selected to cover your specific risk exposures. The sections commonly available include:

Property Damage
Business Interruption
Computers (including virus &/or malicious erasure)
Money and Assault
Glass
Goods In Transit
Employers Liability
Public Liability
Products Liability
Terrorism

Our dedicated team will advise on the most relevant sections and policies for clients' needs so they have the cover they need, at a premium commensurate for with risk.